There are so many loopholes in pet insurance contracts that I assume they were constructed using Roller Coaster Tycoon.

Is Pet Insurance Worth It?

As we’ve discussed, Piggy and I are pretty obsessed with our pets. I admire Piggy’s restraint in having but a single dog. My house currently contains four dogs, one cat, six chickens, and two clinically narcissistic garbage disposals guinea pigs. Friends who know me to be an IRL Pokemon Master often ask me what my pet insurance rates are like.

My pet insurance bill is approximately zero dollars. Same goes for Piggy.

Neither of us have pet insurance. And there’s a reason.

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Thankfully, my spouse is DTF (down to farm).

So I Got Chickens

As I have already confessed, I love animals a bit too much. My husband and I, primates that we are, are minorities in our household. We have two dogs, a cat who believes she is a dog, and two maned pork tenderloins guinea pigs. And just this past Thursday, we came home from the feed store with six new additions.

Whoops! We now own chickens.

And from a financial perspective, we really couldn’t have done anything stupider.

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There is no such thing as a bacon emergency.

On Emergency Fund Remorse… and Bacon

It was an expensive day in my household.

The kitchen sink had been backed up for more than a week. I’d disassembled and reassembled it twice and couldn’t fix the problem myself, so I knew it was time to call in the professionals. Clearly the damn thing needed to be snaked, and I had neither the tools nor the know-how to handle that myself. So I called a plumber.

On top of that, my dog was experiencing… butt problems. Of the totally non-life-threatening but definitely requiring-immediate-medical-care variety. (He had an anal gland abscess, ok? It was both gross and fascinating and it completely reaffirmed my conviction that dogs are strange and magical creatures.) I have no medical training, and I would move heaven and earth for this goddamn mutt, so I called the vet.

And thus began my winter of discontent.

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Alas, is there any escape from the wicked, Beargloved hand of the patriarchy?

The Pink Tax, Or: How I Learned to Love Smelling Like “Bearglove”

Gather round, you brilliant budgeting baby bears, while I ‘splain you one of the greatest economic injustices known to womankind. Yes, once again sexism is rearing its ugly head and unnecessarily cocking up our financial goals. Try not to act so surprised.

Did you know that women pay more for imported products than men do? How about personal hygiene and self care products? Healthcare? Dry cleaning? It’s true, and this cost discrepancy is known as the Pink Tax.

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I've assumed that the hypothetical ideal pet loves you with all the platonic passion of a Nicholas Sparks protagonist.

Cold, Unfeeling Human Overlords Rank 30 Pets for Financial Efficiency

On the spectrum of compassion for fellow humans, I fall somewhere between Daniel Plainview and Vegeta, Prince of All Saiyans. I’m ruthless and self-interested and generally take a dim view of the collective worth of mankind. But like many a cold-hearted misanthrope, I’m a secret, tenderhearted lover of animals. I’m a big gay pussy for animals and I can say that because <flashes QUEER WOMAN CARD>. Pets are the fucking best.

As bikevangelist Mister Money Mustache points out in his infuriating-but-factually-correct Great News! Dog Ownership is Optional!, pet ownership is expensive, lifestyle-altering, and entirely optional. Americans spend over $60 billion every year on their pets. It’s an enormous financial and logistical commitment that should be thoroughly explored before adding a pet to your family.

Which is why I’ve set out to rank the financial efficiency of the most common kinds of household pets.

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Hand-me-down diapers are...not a thing.

You Don’t Have to Have Kids

I’ve spent a lot of time with kids over the years. I babysat in high school, I was a nanny in college, I look after my friends’ children on a regular basis, and I’m the proud auntie of the World’s Cutest and Smartest Nephew (he blew the competition out of the water). In fact, I have so much childcare XP that babies magically stop crying the second I pick them up and I can prevent small children from smearing spaghetti sauce on the wall with barely a glance.

All of this time spent with other people’s children has made me absolutely certain of one thing: I don’t want to have kids.

Fortunately for me, I don’t have to. And neither do you.

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"Take your fairy tale upbringing in a sylvan glade drinking unicorn tears and shove it."

You Are above Bottled Water, You Elegant Land Mermaid

One time during my freshman year of college, I walked into my dorm to find my pals holding up a bottle of Fiji water like it was the Holy Grail. Recently escaped country bumpkin that I was, I had never heard of Fiji bottled water. “Oh, you have to try it!” they exclaimed reverently, “It’s the best water.”

I sipped. I was underwhelmed. “Tastes just like my well water back home,” I explained. They gave me looks that clearly said, “Take your fairy tale upbringing in a sylvan glade drinking unicorn tears and shove it.”

All of which is to say that I have never been impressed with our country’s feverish devotion to bottled water. And here’s why I am perfectly vindicated in that point of view.

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Being frugal is neither a death sentence for your social life nor a monastic vow to sit in silence and think about all the fun you're not having.

7 Totally Reasonable Ways to Save Money on Entertainment

There’s this assumption when talking about frugality that it means a lifestyle of no fun, ever. “But if I live like a pauper, how will I ever take my cherished babies to Disney World?” we wail, assuming that a) Disney World is fun, and b) it’s impossible to afford fun on a frugal budget.

I am here to dispel this ridiculous notion, dear readers. We’ve been writing a lot about the big picture of personal finance recently, and I wanted to give you (and me) a break with some practical, small-scale advice. Being frugal and smart about your money is neither a death sentence for your social life nor a monastic vow to sit quietly and think about all the fun you’re not having. Movies, concerts, video games, sports—all are well within your grasp as a professional penny-pincher. In fact, you can enjoy a whole weekend full of cheap shenanigans while still maintaining your badass, frugal ways.

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I don't agree with the cultural consensus that period blood is inherently more gross than any other bodily fluid. That said, all body fluids are hella fucking gross.

Blood Money: Surviving Your Period While Poor

Trigger warning: I use the word “panties” like, so, SO much in this post.

Some women have really figured out how to lean in to the concept of their menstruation. They describe it as a period of heightened sensitivity and awareness. They talk about how in-touch it makes them feel with their power, their humanity, and the changing seasons of their body.

I’m so happy for those women. I wish I could count myself among them. But I do not go gently into that dark night.

I HATE my period. No, I really fucking HATE it. It does not make me feel powerful or mindful; its arrival fills me with a fresh sense of mortal outrage. Sixteen years of menses has not dulled my sense of shock and dismay when I go to wipe myself and the tissue comes back red. Every month, I am fucking appalled.

WHAT DO YOU MEAN "EVERY MONTH?!"
It’s not that I think period blood is something shameful or dirty. It’s just so fucking unfair. There are so many cultural parts of being a woman that fucking suck. We work more, get paid less, are constantly judged by random strangers, get legislated bodily by old white men, and carry the psychological and physical burden of sexual violence. There are biological aspects to being a woman that also suck, but most of them are at least an opt-in situation. (I can work on my upper body strength, it’s my choice to play video games instead.) But menstruation is just a thing that happens to you, and you’ve got to deal with it.

Worst of all, it’s expensive. Disposable menstrual products are a fixed monthly cost that’s surprisingly high—and they are inexplicably taxed as luxury items! (Don’t bother trying to repeal the tax, ladies! Your dashing white knight of a male governor will do it for you! Oh wait, no he won’t, he’s going to FUCKING VETO IT.) Reusable products have a startlingly high initial cost, and aren’t always convenient or appropriate for all people and situations.

With this in mind, Piggy and I have mined our own experiences and those of our vast network of Vagenda operatives to bring you clear-eyed reviews of each of these products through a financial lens.
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"My New Year's Resolution was to go to the gym six days a week, but it's February 10th and there's a new season of OITNB and I'm too ashamed to cancel my membership SO HERE WE ARE."

You Probably Don’t Need That Gym Membership

Ok I know I just told you to start working out as a way to stay healthy and wealthy, but listen up: you can do it all without a gym membership.

Gyms are smelly, crowded, and over-priced. Their hours are sometimes inconvenient, and there’s no guarantee you’ll get a turn on the equipment you want to use or fit into that over-crowded aerobics class. Even the most affordable, at $30 a month, are a big chunk of change that you could surely use for more lofty goals. And while the most expensive ones also offer things like saunas and in-house massage therapists, do you really use those services often enough to justify paying $500 or more a month?

Answer’s no, snowdrop. When you get right down to it, a gym membership is a great way to tell the world “My New Year’s Resolution was to lose ten pounds by going to the gym six days a week, but it’s February 10th and there’s a new season of Orange Is the New Black on Netflix and I’m too ashamed to cancel my gym membership so HERE WE ARE.”

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