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Saving Money & Investing: The Menstrual Way!

So with how unstable the world economy is right now, I figured I’d touch on the topic of saving money and investing. Now of course, what does this have to do with menstruation? Well after all, I try to keep things on-topic so of course it has to do with menstruation! I regularly talk to men and women about menstruation, particularly relating to feminine hygiene products. Why though, do I touch on this topic so often? It’s because menstruation costs money, seriously! If you’re a disposable products user (or once was), you’ll know exactly how much your period is costing you every month, every year. Now I understand that the world runs off businesses and things cost money, so I’m not going to say that feminine hygiene companies and manufactures are evil, but what is evil, is that in countries like mine (Canada), feminine hygiene products not only cost money, but the government taxes you on basic hygienic needs. Suffice to say, it’s not realistic for feminine hygiene products to be free, but the government already gets a double-dipping just because your menstruate (or buy the product). Suffice to say, I often hear my girls talk about their lack of money and that they’ll cut back on this-and-that, but rarely do I hear them consider their spending on feminine hygiene needs.

As someone who menstruates or purchases feminine hygiene products, the Canadian government feels that you should be penalized – or – at the very least, that they deserve an additional cut on your feminine hygiene supplies. How does the government get a nice double-cut of your products? Simple. First, the company which sells you your products has their revenues taxed. Second, as a consumer of feminine hygiene products, we also pay an additional 5% which also goes to the government. It’s of course fair for the government to tax companies (and individuals) for income earned, because after all, that’s what keeps the country up and going… however, they also earn an additional 5% because you happen to menstruate or use such supplies. As of 2009, it is said that the federal government of Canada penalizes women by an estimated $69 million per year¹!

Ok, so enough about our government since we’re not the only country who has such taxes for feminine hygiene supplies, but rest-assured, menstruating costs you money! So in a year of doubtful economy recovery and rising costs-of-living, feminine hygiene products should be the least of one’s concerns! So how can we alleviate such concerns? Let’s consider individuals such as students who work off limited resources (unless your family happens to be very wealthy) or low-class households who have small budgets, cost of feminine hygiene supplies add up very quickly. I’ll use one of my friends as an example:

She is a student and her tuition is already paid for by her parents. The only thing her parents expect of her is to maintain enough money to: 1) Pay for her living expenses, 2) personal/entertainment spending, and, 3) basic needs. She works part time and every week she earns about $200 gross, so don’t forget about income tax and general deductions. Assuming she is lucky enough to have that same schedule throughout the month, her approximate income is $800 over 4 weeks. Without going into the details of “sales”, let’s assume every period you spend about $6 approximately 20 pads or tampons. Of course this varies per person based on flow and also let’s not discount that dollar amount only applies to “active” menstruating times… many women also use pantiliners throughout their cycle which may really bump those figures upward. In a year, that’s $72. Wow, that $6 sure doesn’t look like a large chunk of $800 right? $400 goes to rent and that’s very basic ($400 left). $100 goes to utilities not covered by the rent ($300 left). $150 goes to groceries ($150 left). $70 goes to transportation ($80 left). Let’s not even get into things like movies, bars, clothing, haircuts or whatnot, so she has approximate $80 left in a month of “other” spending. So in a month 7.5% of her “left over” money needs to be spent on her pads and tampons. I removed the taxation aspect of her pay since individuals who make under the exemption in Canada doesn’t need to pay any taxes. All of a sudden, her cost of disposable products is a considerable amount.

So what can one do to help alleviate the cost? Well certainly “free bleeding” is an option for those with extremely light periods but is probably not the case for most women. I’m sure quite a few of you know I’m leading up to the idea of reusable menstrual products. Cloth pads, menstrual cups, sea sponges and the likes all are a great form of cutting costs from where it hurts (no pun intended). I have lightly touched on the topics of reusable products in the past and there is a world full of amazing sites on these products that can be accessed via Google, so you’re welcome to reference it. No doubt, reusable products have an initial “high-cost” impact, as such products can range from $40 to $150 (for full ‘period’ set of products), which may account for a year or two of purchasing conventional disposable products. Nevertheless, most of these reusable products lasts 4-5 years, therefore it’s a “long-term” investment. What I should point out is that unlike menstrual cups which usually require some form of manufacturing, it’s possible to make your own cloth pads with some material and know-how. Menstrual cups tend to be quickest “recovery” of invested money with short of a year worth of feminine hygiene supplies.

I suppose the question may come up about the cost of extra water spent on the cleaning of these products. I haven’t had any experience with sea sponges, so let’s put that aside for now. However, in the case of menstrual cups and cloth pads, the “additional cost” (if any) is miniscule. For cloth pads, unless they’re heavily saturated, cloth pads can be thrown in with regularly laundry. Some people opt to pre-rince them or use stain remover, but that’s strictly a personal choice or “as needed” based on the degree of pad saturation. Menstrual cups are even easier to clean since it’s a matter of “dump and wash” – although to enhance the sterility of the cup, it is usually recommended to do a boiling-water submersion to prepare it for the next period. All this doesn’t equate to a lot of additional water used.

As I mentioned before, some women like to use pantiliners all-cycle round, which makes cloth pantiliners even more attractive! Buying a weeks worth of cloth liners (or if you decide to make them) will keep you protected and can go in the weekly laundry anyway. For the women who feel that they’d feel more comfortable using reusable products only at home, that is still a great idea! There probably are women out there who use reusables at home and disposables outside. Feminine hygiene options are a personal choice of course, so you do what you feel is best and most relaxing. If I menstruated, I think I’d also do the same, although I really really like the idea of cloth pads! I also give the thumbs up for cups since they’re to only product that can provide you with a “one unit, many uses” product such that, you can carry it in your purse and not have to carry 3-4 pads or tampons for just-in-case, but being able to use that cup over and over again during a day! Can you see how this is more than just a cost-effective option?

Now that we’ve spent so much time on highlighting the cost savings of reusable products, let’s consider the investment part of this. What are you investing in when it comes to using reusable feminine hygiene products? Not only money, but in your health and the environment, something that you simply cannot attach a price tag too! In fact, wouldn’t almost everyone agree that your health is of utmost importance? Reusable feminine hygiene options are a beautiful way to keep trash out of the landfill and if only people took the time to think about how many pads and tampons are disposed of daily which is making a huge impact on pollution. Your ‘typical’ companies also manufacturer pads and tampons that will likely not degrade for ages. Think about what you want to leave the next generation, because 500 years from now, those who have inherited the earth from us will still be digging up your used pads and tampons … or well, at least walking and living on top of them!

I understand that it’s easier to spend $6 a bit at a time rather than a hundred dollars up front. I also understand some people are under financial constraints and putting that kind of money down initially may not be possible. However, if there’s anything next to survival needs that I’d invest in if I menstruated, it would be in either cloth pads or a menstrual cup! Over time, I’m saving myself tons of money and also investing in my own health, keeping chemically-treated and synthetic products away from my body. Also, there’s a reason why cotton panties are popular, because it’s comfortable, natural, allows your body to ‘breathe’ and as a result, healthy. Likewise, many cloth pads are made of cotton and other non-chemically treated absorbent materials. What are two important factors of any feminine hygiene product? Comfort and Absorbency! Cloth pads and menstrual cups have just that, at a fraction (over time) of the cost and is a great way to investing in future generations and that of your very own body! You may also find yourself surprizingly becoming more open about your body and menstruation when you open your mind and adopt reusable products. I have found that some of the most open-minded women I talk to about their bodies and periods tend to be ones who are use such products. Of course it may be because they were receptive enough to try these products in the first place, but you may find yourself suddenly becoming period-positive which is what I hope ALL men and women achieve!

The next time your “visitor” drops by, consider making the switch to a healthier, eco-friendly and more period-positive you!

Changes to Spending Habits – Living it Large

After returning from Hong Kong, I’ve found myself in living a different lifestyle. Where as I, prior to the trip, would be leary of spending, I am not finding myself spending on things that I would have otherwise spent a long time considering. Suffice to say, I haven’t won the lottery yet or make mounds of cash investing into stocks (again, YET) – but I am starting to utilize the money I’m earning more often and being less thrifty. The reason is not because I want to “show off” or to overindulge in using my money, but rather, something very important my uncle said to me (which I will translate to English). He said, “I am rich because I spend my money, not because I have lots of it. A rich person, is one who uses his money and enjoys it, regardless of his existing wealth. A poor person, is one who does not use his money and sits it in the bank, regardless of his existing wealth. When one uses money usefully, he (or she) is rich. When one does not use their money, no matter how much is in the bank, he (or she) is poor.

I have a habit of saving – saving for a rainy day and saving for my future family. I save a lot of money suffice to say and I’d wager every year (since I’ve been working), I’ve been storing just over 50% of my take home pay. I invest it, into my RRSP, into my supplementary pension plan, into my cash-able life insurance, into my TFSA and into stocks/funds. On good years, my investment income usually supplies me with 2-3 tickets of airfare to Hong Kong, so the reality is I could go there every year if I wanted to, and I may soon turn that into a reality.

But anyways, back onto my point. I’ve been living it large lately. I want to realize those dreams of “being rich” – not necessarily because I have lots of money, but because life is about enjoyment, making your comfortable and utilizing the resources that you have. Since I’ve returned, in the past 2 weeks I have been spending money more lavishly. This is particularly true with luxury items and with food. I also learned another very important aspect of Hong Kong lifestyle is that they invest majorly into 1 or both of the following: clothing and food. I’m not particularly interested in clothing, so I have adopted the 2nd, food. Another thing my uncle taught me, “You should learn that eating is not about filling your stomach the most for the least money. Food is about quality, not quantity. Therefore, you should aim to eat small portions of good food, rather than be concerned with feeling full by eating lesser foods.” My uncle is truly full of wisdom and he has both a Canadian and Hong Kong lifestyle perspective as he’s lived in both places. He does understand the need of why I save, but also encourages me to utilize money effectively and that does not necessarily equate to saving it all.

In the past 2 weeks, I’d say that I’ve already bought, or consider buying items that I would have taken a long time to justify and rationalize. Just over the weekend, I walked into Future Shop and bought a Wii Fit Plus. I did do some prior bargain hunting, but to no avail. I could’ve waited – but I didn’t… I just went out and bought it. Sure, it cost $20 more than if I waited for the next sale, but I want it NOW – and I got it. The computer and monitor rack that I got for bebe for her birthday, I wanted to give her my old video card so she could play her games and watch HD movies – but instead, I am now buying her a new video card. Why? Because I can and that she deserves it. Also, what kind of terrible boyfriend would I be, one who is a computer guy and giving his girl outdated stuff? 😛 I promised I’d buy myself a new pistol or rifle every year. I put one on order, a nice new revolver for me to play around with 😀 I used to fiddle with my iPhone headset every time I got into the car so I could legally use my phone (as it is outlawed in Ontario to hold a communication device while driving) and got tired of it – so I got myself a Bluetooth headset – and a nice one too, that responds to voice activation/commands AND is also capable of multiple language sets… of course I chose Cantonese 😆

As you can see, I’m spend less time thinking and more time buying! I know that the moral of the story goes both ways here. Some will say, “Hey, great, you’re satisfying your wants.” while others will spit in disgust and say that I’m wasting money needlessly. Also, in the next while, I will be installing a fireplace in my computer room so I’m nice, warm and cozy while I play, chat or do work on my computer! Yes, that’s right, I want to be luxurious and enjoy the money I’m earning. It wasn’t that I’m cheap on others, I tend just to be cheap on myself. I’ve spent more money on bebe than I have on any other girl I’ve dated… perhaps I dare say I’ve spent more on her than I have with all of my ex’s put together, LOL! I’m not quantifying my love for her via how much money I spend on her, but more of the fact she makes me feel and want to spend money on her. I spend money on my family and friends as well, because I don’t mind. We go out for nice meals, do costly activities – but still, I’m only cheap when it comes to myself. I’m turning that around – I want to be the one enjoying the fruition of the seeds which I have sewn myself.

I guess I’m a bit old fashion and perhaps that alpha-male part of me kicks in when I’m with bebe. By spending money on her and also, showing that I have financial stability is an implicit sign that I’m able to “take care of her”.. I mean this is TOTALLY 1950’s mentality, haha, but still, it’s born into us guys where we feel the need to have to ‘display’ ourselves and ‘prove’ that we’re capable. I’m not trying to bribe bebe with money or throw money at her in hopes of winning her love, but what I’m trying to do is to show that at the very least, I can be a successful boyfriend and future husband who can provide for her if necessary. I know I think “a bit farther ahead” because I’m older than she is and have different paths I want to walk in life, but the reality is that I don’t want to have a huge margin of income with her – which is the reality given both our careers. I have a very important topic I’d like to write on in the near future, the idea of social status and individual prestige, which will make what sense of what I’m trying to express above.

I’m already looking at the posted transactions that are coming through on my credit card already! This is probably the most I’ve spent in a while (not including on my trip) and there will be more to come. I work hard during the day and even after hours, so isn’t it at least right of me to come home and be submersed into comfort and luxury? I don’t earn my money for nothing or to leave it in the bank while they trade my money around to earn money for themselves!

I’m rich, because I’m using my money to generate happiness. I am no longer poor, because my monetary wealth is bringing my lasting wealth through enjoyment and fulfillment of wants! Even when I bring happiness to bebe it makes me smile, so the wealth is not only spent on me, but her as well… us, both our families and hopefully soon, our very own family 😀

I’m in a very loving mood tonight, so even though my bebe is not around with me right now, if she ever asks me how much I love her … then I can answer her with THIS much! 😛

Teresa Teng (鄧麗君) – The Moon Represents My Heart (月亮代表我的心)


And… because UMG are a bunch of cock-sucking retards, you have to go on YouTube directly to watch it.

你 问 我 爱 你 有 多 深
You ask me how deep I love you

我 爱 你 有 几 分?
How much I love you

我的 情 也 真,
My feeling is true

我的 爱 也 真,
My love is true

月亮 代表 我的 心。
Moon represents my heart

你 问 我 爱 你 有 多 深
You ask me how deep I love you

我 爱 你 有 几 分?
How much I love you

我的 情 不 移,
My feeling is steadfast

我的 爱 不 变,
My love is constant

月亮 代表 我的 心。
Moon represents my heart

轻轻 的 一个 吻
A tender kiss

已经 打动 我的 心。
Already touch my heart

深深 的 一段 情
A deep love

教 我 思念 到 如今。
Makes me miss till now

你 问 我 爱 你 有 多 深
You ask me how deep I love you

我 爱 你 有 几 分?
How much I love you

你 去 想 一 想
You go think about it

你 去 看 一 看
You go have a look

月亮代表我的心。
Moon represents my heart

你去想一想
You go think about it

你去看一看
You go have a look

月亮代表我的心。
Moon represents my heart

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