Staub in der Optik, Dust inside the lenses

I , by now, have three different Lumix cameras. Great cameras, but they all have the same issue: after - not even a long time - there is dust INSIDE the lenses. I can see the fluff, but I have no idea what to do about it. I am not talented with tools at all, but if anyone is interested in having a try, please get in touch.

I have a DMC-TZ71, a DMC-SZ7 and a DMC-TZ18

Thanks for any answer!!!