Recent Posts

The True Burden Of Gifts

The True Burden Of Gifts

You may be wondering why I’m talking gifts right now, when one of the largest gifting seasons is in December. Well, summer is the perfect time to plant the seeds of anti-consumerism in the mind gardens of friends and family. We tend to be outside […]

Saving For Retirement Without Losing Hope

Saving For Retirement Without Losing Hope

Retirement is always a scorching hot topic. Money issues are emotional to begin with, but it’s easy to feel hopeless considering the rising costs of education, housing, childcare, and healthcare. Add to that the unrealistic advice we receive (occasionally in the form of shame masquerading […]

Debt Payoff Report – April 2018

Debt Payoff Report – April 2018

I feel like every month I just want to comment on how quickly the month passed. (Except January, because January lasted 74 days this year.) April was kind of a blur of work-related stress that I’m glad to put behind me!

In April I bought a new screen protector for my phone, Stardew Valley on the Nintendo Switch, and a pair of sneakers.

Including interest, I’ve paid $2,885.35 to my debt this month!

April Milestones

I’m under $80,000 owing! There is serious magic in dropping down to a new first digit. I’ve also paid off $10,000 this year and over $50,000 in total!

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What’s up in May?

I have peaks and valleys in my debt repayment timeline and May is probably going to be a valley. I’m traveling for work and I have a couple of planned purchases that will slow me down a bit. That’s all part of the journey though!

Everyone Needs A Fuck Off Fund: The Relationship Edition

Everyone Needs A Fuck Off Fund: The Relationship Edition

YES, E-V-E-R-Y-O-N-E! Even if you’re in a relationship and you have joint savings, you each still need your own Fuck Off Fund. If you haven’t read A Story of a Fuck Off Fund by Paulette Perhach, it’s a must! Perhach refers to the Fuck Off […]

An Insider Guide To The Instagram Debt Free Community

An Insider Guide To The Instagram Debt Free Community

I owe a lot to the #debtfreecommunity on Instagram. I started an account as an online diary to track my progress and keep myself accountable in paying off six figures of student loan debt. At the time, I didn’t even know that an online debt […]

Are We There Yet? Persistent Gender Differences In Careers And Money

Are We There Yet? Persistent Gender Differences In Careers And Money

We achieved gender equality when women could vote and work, so we no longer need feminism. Right?

Looking into the history of women and money in Canada, and many other countries, it’s easy to feel like we’ve come a long way – and we have. Legislation requiring equal pay and prohibiting discrimination on the basis of sex has improved women’s lives dramatically. It can sometimes seem like we’ve done all the work needed, and that if things are better than they were before (or better than they are in other countries) that means we don’t have to continue to improve.

There’s only one problem: changing the law is never enough to fully change socialized behaviour, and thinking that it is leaves us at a greater disadvantage because we believe the issue is resolved.

It’s hubris to think that humans can change deeply ingrained social norms that have held for much of our history in a mere generation. Socialization and implicit biases linger decades and even centuries later, and ignoring them does us all a great disservice.

Girls Are Still Socialized Differently Than Boys

Unsurprisingly, socialization begins practically from birth – and everything from how we play to how we speak to the toys we give can impact a child’s developing view of the world.

Even a baby’s cries can receive different responses based on caregiver biases. Low-pitched cries are more likely to be attributed to boys and are perceived as more masculine, despite pitch having no measurable sex differences in babies. Adult men also assume that boy babies are in more discomfort than girl babies with the same pitch.

We tend to play with girls and boys in different ways. In a BBC study, adults chose gendered toys and played with young children in a gendered way. Marnie, dressed in a blue plaid shirt and referred to as ‘Oliver,’ was given a robot and a car and played with in a more physical manner. Edward, dressed in a floral dress and referred to as ‘Sophie,’ was given pink dolls and stuffed animals and treated more gently. Our behaviour changes with a child’s apparent gender, and both men and women in the study showed these biases.

The types of toys children play with can significantly affect their cognitive and social development. Spacial recognition, a skill required for careers in engineering and science, is developed by play with construction-based toys and some types of video games. The gender differences in this skill disappeared when researchers accounted for differences in early childhood play – women who played with construction-based toys as children performed equally well as men. Often gender-based marketing and toy selection limits the availability or desirability of toys to either girls or boys. Toys with a technology focus were three times as likely to be targeted at boys. These early experiences can have lasting effects on education and career choices.

The way children are perceived and taught in can impacts their future in the workplace. Researchers found that teachers perceived male students as being their best students – more logical, competitive, interested in math, and possessing greater scientific skills.

Gender composition of the workforce can be another factor in children’s occupational aspirations. If we grew up regularly seeing female nurses and male doctors, for example, these interactions can influence our own career aspirations in the medical field.

Gender norms may be evolving, but we’ve raised and educated children with implicit biases for decades after the laws changed to prohibit discrimination based on sex.

We Still Judge Women Disproportionately On Physical Appearance

Being conventionally attractive can be an advantage in the workplace in some circumstances. Women who conform to beauty standards – makeup, hairstyles, manicures – earned more than women who don’t. Note that grooming accounted for all of the attractiveness ratings for women, but only half for men. However, attractiveness in women is considered a disadvantage in many professions – particularly in traditionally male jobs like mechanical engineer or director of finance.

Workplace norms are also implicitly masculine when it comes to body image, so women’s bodies can be seen as different, sexual, or disruptiveIn one study, 25% of women were cautioned about their appearance while just 9% of men were. Managers deemed female employees a ‘distraction’ in 35% of responses.

Here are just a handful of the ways in which women’s bodies are criticized and sexualized in educational and workplace contexts.

These socialized biases reinforce the image of women as sexual objects, and distract from their more important qualities in the workplace like intelligence and competence.

We Still Speak To Women Differently About Money

The way we continue to speak to women and men about money reinforces the gender divide.

The language that we use very much signals the importance (or unimportance) of certain activities to certain genders.

We Still Pay Women Less

There are a number of factors involved in the difference between wages earned by men and women. Regardless of how the data is manipulated, women in Canada earn less than men.

After controlling for industry, occupation, education, age, job tenure, province of residence, marital status, and union status, Canadians were still left with an 8% wage gap which researchers suggest could be explained by bias.

Socialized bias is key in understanding the persistent wage gap. Here are some examples of disproportionate treatment of women likely explained by bias.

One of the more insidious arguments about the gender gap is that it’s due to women’s choice of careers and child care arrangements. Research found that women who have their first child before 25 or after 35 close the salary divide, but the years in between (prime years for both child rearing and career-building) seem to be the problem. Taking on child care and other household responsibilities often translates to being passed up for career opportunities, while giving male partners more support to succeed in their own careers.

Part of the ongoing frustration with the gender wage gap is the fact that women spend so much time doing unpaid work – about 4.5 hours per day on average, according to the OECD. That’s more than twice the amount of time that men spend on unpaid work – 2 hours per day on average. The discrepancy of pay reflects larger issues about how we as a society define ‘work’ and productivity.

Housework is not work. Sex work is not work. Emotional work is not work. Why? Because they don’t take effort? No, because women are supposed to provide them uncompensated, out of the goodness of our hearts. – Jess Zimmerman

The wage gap only widens for women of colour, Indigenous women, those with disabilities, and the LGBT community.

How Do We Move Forward?

It’s imperative that we recognize that our work on gender is not even close to complete. If women are still sexualized at school and work, still talked down to in the media, and still paid less.. how can we possibly be equal?

Our society harms women and men, and we need to keep pushing the boundaries of gender to improve life for everyone. To bring systemic changes, we need systemic interventions – things like affordable child care, flexible work environments, and decreased socialization along polarized gender norms. These systemic changes need to include a shift in attitudes. It’s vital to listen and give deference to the lived experiences of individuals most affected.

Listen to women. Believe women. Pay women. Elect women.

Gender is a difficult topic, but a little understanding can go a long way.

Additional Resources

Here are some of my favourite lists, articles, documentaries, and podcasts on women and money:

Female Personal Finance Blogs – Women Who Money

Meet The Women Of The Financial Independence Movement – Tread Lightly, Retire Early

Here’s to Strong Women: The End of the Damsel in Financial Distress – She Picks Up Pennies

One Reason Women Make Less Money? They’re Afraid of Being Raped and Killed. – BitchesGetRiches

Let Men Be Free From The Shackles, Or Why The Gender Pay Gap Matters To Both Sexes – Ms ZiYou

The Intersection of “Me too” and Money – Broke Millennial

Emotional Labor – The Fairer Cents

The Financial Harm of Beauty Standards – Dumpster Dog Blog

Phrases to Boost Girls’ Self-Esteem – Other Than ‘You’re So Pretty’ – Motherly

Miss Representation – Netflix

Obviously, this is just the tip of the iceberg. Please share your comments and articles below!

Debt Payoff Report – March 2018

Debt Payoff Report – March 2018

We’ve finished the first quarter of 2018! I’m close to last year’s numbers for spending and debt repayment, so we’re looking good. The Vancouver Symphony Orchestra tempted me this month – I bought tickets to two of their summer shows! What is money for, if […]

Confession: I Hide Money

Confession: I Hide Money

Some people love to squirrel money away and enjoy watching their accounts grow. I’ve never been one of those people. Money available meant money to spend – at one point even credit available meant money to spend! While I’ve worked hard over the past few […]

Nobody Should Die For What I Wear

Nobody Should Die For What I Wear

Today marks the anniversary of one of the worst industrial disasters in history – the Rana Plaza building collapse that killed 1,134 and injured another 2,500 on April 24, 2013.

Severe cracks in the Bangladesh garment building’s walls compelled police to require an evacuation. Disregarding this directive, workers were ordered back to their sewing machines and the eight-storey building collapsed on top of them the following day.

The organization Fashion Revolution developed as a result of this tragedy and encourages us to ask questions about our clothing: Who made my clothes? How much are they paid? What are their lives like?

These questions have unsettling answers. Approximately 75 million people work to make our clothing, 80% of them women ages 18-35. The majority of these garment workers live in poverty and deal with exploitation, verbal and physical abuse, unsafe conditions, and unfair pay.

Fashion Revolution Week takes place every year during the anniversary of the Rana Plaza collapse, to educate consumers and demand change from retailers and manufacturers. In honour of this anniversary, I wanted to share some of the ways that learning about this tragedy, and many others, has impacted my habits as a consumer.

My Shopping Guidelines

In my own purchasing decisions, I try to follow these steps:

  1. Consume less. Do you even need this item?
  2. Repurpose. Can you use something you already have?
  3. Borrow. Do you know someone who can lend this to you temporarily?
  4. Trade. Could you swap something else you own for this item?
  5. Thrift. Is there anything available second hand?
  6. Buy consciously. Can you find an ethical and sustainable retailer?

Start at the top, and consider all of the options in sequence. Buying new has been the default in our culture, but with enough practice you can rewire your thought process so that it becomes the last resort.

The Reality of the True Cost of Clothing

Buying from ethical and sustainable retailers isn’t a financially viable option for everyone, and even when it is, we tend to balk at the sticker price. There’s a reason clothing costs have become so low, and it’s because manufacturers and retailers are cutting corners in everything from wages to workplace safety to environmental responsibility. We’re so detached from the true cost of producing a garment that a fair price seems exorbitant to us. That isn’t to say that a higher price means a fair garment – tags of fashion brands from fast fashion to luxury were all found in the Rana Plaza rubble.

That being said, it’s important to let go of perfection and do what you can. Sometimes you won’t be able to find something you need from a responsible company, at a price you can afford. Recognize that doing your best is enough, and that doing something imperfectly is better than pushing yourself to the point that you feel discouraged and give up.

Actions You Can Take Right Now

I’ve put together some of the ways I try to lower my impact on the lives of others and on our planet. They range from awareness to lowering consumption to lobbying for change. These are only a few so please add your own ideas in the comments!

  • Watch the documentary The True Cost for a great overview of the many issues in the fashion industry – and share it with others!
  • Try Project 333, the minimalist fashion challenge that invites you to dress with 33 items or less for 3 months. You’re probably already wearing the same stuff on rotation anyway.
  • Commit to a 30 wears campaign by asking yourself if you would wear an item at least 30 times before you buy it. Many of my items are 100+ wears now!
  • Or better yet, while you’re testing out a capsule wardrobe for Project 333, why not commit to a year of not buying clothing at all?
  • Increase your awareness of marketing practices, particularly the shift from promoting a product’s features to selling an emotion – check out the documentary The Century of the Self. You’ll never look at an ad the same way again.
  • Look up your local Buy Nothing group. The Buy Nothing Project is a local gift economy – you post things that you need, or things that you want to give, and build community with your neighbours while you decrease your environmental impact.
  • Visit workerdiaries.org to learn more about a yearlong research project focused on garment workers in Cambodia, Bangladesh and India.
  • Check out the sustainable and ethical fashion directory from My Green Closet if you do need to buy something new.
  • Visit fashionrevolution.org to learn more about the impact of the fast fashion industry, and how you can contribute.
  • Contact your favourite retailers and ask about their practices. Use the hashtag #whomademyclothes to connect with others and advocate for greater transparency in the fashion supply chain.

The bottom line? I believe that nobody should die for what I wear.