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Image by Tina Tiller
Image by Tina Tiller

PartnersMarch 3, 2023

Why it’s important to know your entire menstrual cycle

Image by Tina Tiller
Image by Tina Tiller

It happens once a month, but what goes on behind the scenes remains a mystery for many. Alex Casey goes on a search for answers about what really happens during the menstrual cycle. 

A menstrual cycle is a lot like Rihanna’s Super Bowl performance – and not just because she was dressed in blood red surrounded by hundreds of dancing pads. Just as many of us checked our calendars fervently for her arrival and then cleared our schedules to watch the halftime show, we tend to think of bleeding as the “main event” of the cycle. We don’t tend to think about the months of rehearsal, the costume fittings, or the elaborate stage packdown quite as much. 

Just as understanding the behind-the-scenes details of the halftime show will give you a whole new appreciation for Rihanna’s Super Bowl performance, there’s also huge benefits to knowing what is going on behind-the-scenes on either side of The Big Bleed. “The menstrual cycle is this really orchestrated, beautiful hormonal thing,” gynaecologist Dr Michelle Wise explains. “We typically talk about a 28-day menstrual cycle, but a lot of the actual details get skipped at school.” 

As always, we can turn to Rihanna for answers.

Learning about what happens in the leadup to your period can give us a better understanding of the physical and mental changes we might experience during a typical cycle, and how to better take care of ourselves throughout. “People need to be mindful of what their own normal cycles are, so that they can start to recognise if there’s a problem or anything out of the ordinary,” says Wise. So, without further ado, here’s your guide to the four (!) phases of your menstrual cycle. 

Part one: The Menses phase

The phase you are probably the most familiar with is menses, the bleed, which sees the tissue and blood of the endometrial lining exit the body via the cervix and vagina, usually for around a week. But it’s not all about what is happening downstairs, Wise says – the hormonal dip can mess with your upstairs regions too. “For example, some people who get headaches or migraines will notice them more in the parts of the cycle where the oestrogen levels are low.” 

Other side effects can include feeling bloated, cramping and sore breasts. Wise says cravings are “not scientific” enough to mention, but did want to reiterate that some heavy bleeding is cause for concern. “The most common thing that we see here is that people normalise having really heavy periods,” she says. “I feel so bad that people go for months or even years without seeking medical attention, because it’s such an easy thing to get on top of.” 

And there are now so many options for period products to suit different lifestyles – gone are the days of pads and tampons being the only choices. Options like cups and underwear have given people a broader selection to suit every period experience, while the technology used in more traditional products are getting better too.

Part two: The Proliferative phase

Oestrogen rules this part of your menstrual cycle, which happens after menstruation and before ovulation. “Here, there’s the hormones at the level of the brain that are acting on the hormones at the level of the ovary, which is acting on the endometrial lining on the inside of the womb,” Wise explains. The increase in oestrogen leads to a thickening of the lining of the uterus as it prepares the VIP room for one very special guest (an egg). 

Wise says this is the most variable part of the cycle. “It can be anywhere from one or two weeks to three to four weeks,” she explains. If the phase lasts for an elongated amount of time, the endometrial lining will continue to get thicker and thicker, which Wise says leads to prolonged, heavier periods and more clotting. “Medically, we’d use progesterone here to try to make that lining a bit thinner, so that you’re not bleeding as much, and it’s not as therefore not as long and not as painful. That’s how those two things connect.”

Understanding the full monthly has huge benefits. (Image: Archi Banal)

Part three: Ovulation

Rather poetically, Wise describes ovulation as a “moment in time” when the ovary releases the VIP egg. “So this is the shortest phase because it happens very quickly,” she says, “but it does cause a surge in the luteinizing hormone (LH).” The impacts of this phase are less about mood and more about physical changes. “People can often tell when they’re ovulating by changes in their vaginal discharge and their temperature,” says Wise.

To put things bluntly, things are going to feel warmer throughout your entire body and wetter, clearer and more slippery downstairs. 

Part four: The Luteal phase

In the final part, progesterone rules the roost. “This is the time that your womb or your uterus is really getting ready for pregnancy,” says Wise. “If a fertilised egg comes along and implants in the uterus you are going along the pregnancy pathway and, if not, your body prepares to shed that lining.” As the progesterone levels start to fall towards the end of this phase, Wise mildly suggests that “people might notice changes in their mood.” 

For some that might mean crying at a picture of a smiling volcano, while others might not notice at all. Unlike the proliferative phase, the luteal phase is generally consistent from cycle to cycle, clocking in at around two weeks for most. If your egg is unfertilised, your body recognises that it no longer needs to keep the VIP lounge stocked, and your womb prepares for menstruation, aka heading back to part one. In the words of Wise, a “beautiful and orchestrated” process indeed. 

This content was brought to you in partnership with TOM Organic. Find out more about their range of products and learn more about your cycle on their website now.

Keep going!
Is mortgage anxiety taking a toll on you? (Image: Getty; additional design: Tina Tiller)
Is mortgage anxiety taking a toll on you? (Image: Getty; additional design: Tina Tiller)

PartnersFebruary 27, 2023

The rise of mortgage anxiety, and how to combat it

Is mortgage anxiety taking a toll on you? (Image: Getty; additional design: Tina Tiller)
Is mortgage anxiety taking a toll on you? (Image: Getty; additional design: Tina Tiller)

With the cost of living front-of-mind for so many, ‘mortgage anxiety’ is on the rise. How do we make sure this doesn’t leave people feeling hopeless about their financial situation?

Money isn’t everything. But for most of us, it’s easier to deal with anything else in our lives if we know the bills are getting paid. So when household budgets come under pressure from cost of living increases – especially when those increases include the mortgage that keeps a roof over your head – it’s easy to feel concerned. But while mortgage anxiety is a real phenomenon, it’s how you deal with it that really matters.

“It’s almost a bit of a misnomer to call it anxiety,” says psychotherapist Kyle MacDonald, “because when we think about anxiety, we think about a mental health symptom where the feeling needs treating. But I think, actually, it’s probably better to think about this as a reasonable fear.

“Because, you know, if you have a mortgage and the interest rates are going up, and we’ve been told every day that we’re heading towards a recession and things are gonna be calamitous, then it’s pretty reasonable to be worried about that.”

With ANZ, you can optimise your home loan package (Image: Getty)

It’s not so much the worry, it’s what we do when we’re worried. One of the markers of anxiety, he says, is avoidance. But that’s where obvious and practical advice can be very useful.

“If we’re prone to avoidance behaviours with anxiety, we’re going to tend to just not open the email with the bank statements and ignore all communications and just cross our fingers and hope for the best, right? Which is not a great approach. 

“But if the fear and the worry actually motivates you to take action, then I would suggest it isn’t problematic anxiety… Hopefully the fear prompts us to do something which reduces the stress.”

It’s advice echoed by ANZ Home Loan Coach Marie-ana Tupo.

“Many homeowners are feeling the impact of higher home loan rates and day-to-day expenses,” she says. “If you are experiencing financial challenges, or think you might in the future, it’s important to reach out to your bank early so they can explore any options available to you that may help relieve the pressure.”

It’s also important to think ahead – and even to think of the worst that could happen. When Dan* and his partner borrowed $700,000 to buy an apartment in the inner Auckland suburb of Kingsland eight years ago, he says, they didn’t just look at what they could afford at the time.

“We stress-tested to about 8% or 9% mortgage rates,” he says. “Because we thought it’s better to be safe than sorry. I didn’t want to get into a position where we couldn’t afford to do it. I had advice from people who had mortgages and they said, do the due diligence on this because you don’t want to be in a position where the interest rates could go up and you’d be buggered, right? And lo and behold, it’s coming to pass.”

If mortgage anxiety is getting the better of you, it might be time to call your bank (Image: Getty)

It also pays to act when the going is good – as it was for mortgage borrowers not that long ago.

“We refixed one portion of our mortgage in July last year, which was great because we got 2.6% – which is just crazy,” says Dan. “So then we started smashing it – we actually upped our mortgage payments, because you’re paying off so much principal it’s crazy not to.

“We were ahead of the game essentially. We’ve been paying more, over and above what we’ve had to. So it’s just going to be that we’re paying more interest as opposed to principal. I’ve worked out, we could get to about 10% interest before we started to feel a real loss in terms of change from what we’re already paying, because we’re already paying quite a bit more than what we could be.”

While there are clear benefits to forward planning and preparation, it’s not always possible and circumstances can change. However, there may be other options to consider, whether you’re trying to get ahead or need to relieve the pressure. ANZ’s Tupo says many mortgage customers aren’t actually aware of what their options are until they get in touch.

“Reviewing your loan structure is a good starting point. You may be able to extend your loan term or switch to an interest-only repayment structure for a period of time. Your banker can talk you through these options; whether they are suitable for you and what they mean for you over the longer term. The sooner you talk to your bank, the more options they may have available for you.”

In times like these, of course, even the best-laid plans can be undone by the world. Ezra* and his partner put down a deposit on a new build in Auckland in August 2021 – and a week later the city went into what would be a long lockdown. They moved in early January, four or five months later than when their new home was originally supposed to be ready.

“In the grand scheme of things it’s not a huge delay,” says Ezra. “But we were in the unfortunate situation where we basically bought at the absolute peak of the market – and then had to sit for a year and a half as mortgage rates rose as well.”

It can be a confusing environment for existing homeowners too, says Tupo, especially for those looking to refix . Many want certainty around what their repayments will be when their current fixed rate ends, but simply don’t know what to do, she says. ANZ offers the ability to reserve a mortgage rate up to 60 days before a fixed rate term ends, she points out.  

“Rates can move up or down, so if you do want to lock in a new fixed rate ahead of time, it’s important to make sure you don’t need to make any further changes to your loan, or charges may apply. This includes if you change your mind about the agreed rate.”

“This would also be a good opportunity to have a look at your loan structure and make sure it is right for you. If you have any questions or just aren’t sure where to start, we are here to help. Whatever your situation, there may be options we can explore to help you get ahead or relieve the pressure.”

There are many ways to personalise your mortgage to make it work best for you (Image: Getty)

Taking advice from their mortgage broker, and speaking to their bank, Ezra and his wife managed to lock in the rate they wanted before settlement and even got some cash back from their bank to contribute towards their savings goals. 

In the year they spent waiting until they actually had a house they could get a mortgage for, they saved hard for their eventual deposit.

“We’re definitely not gearing up for the year that we thought we were,” he says. “But [we took] our own austerity measures in the last year of savings, [and now] we’re assuming that it’s now going to be the same for the next two years – basically living as we had been while saving for the deposit.”

Ezra and his partner cut back on, but didn’t entirely cut out, things like going for coffee or an occasional meal.

“I’d hate for that to be a barrier for people to home ownership. But we were surprised at how much we actually were able to save by doing that, and efficiencies with shopping and that sort of thing. Basically doing a supermarket shop and making it last two or three weeks.”

As outrageous as their fortune has been, Ezra and his partner are still glad to have a new house of their own.

“I still think we’re far better off having property than not,” says Ezra. “We’re basically thinking if we can make it through these two years of struggle it will be a lot easier [afterwards].”

Even before talking directly to an ANZ Home Loan Coach (which you can do either face-to-face or over the phone), there are articles explaining why rates are rising, how to go about financial planning and more on the ANZ website, Tupo says. The ANZ Property Unlocked webinars, presented by subject matter experts, help customers understand the home-buying process from start to finish, covering topics such as using your KiwiSaver balance towards your first home.

You can also expect your bank to test your ability to pay at higher rates than those currently advertised (ANZ calls these “servicing sensitivity rates”). Don’t be offended – it’s not just you.

But whatever the stage you’re at or position you’re in, the key message is that hiding and doing nothing isn’t a good option. Doing something is always better – even if, says MacDonald, that something is just a thing you can still do for free.

“The uncomfortable reality for some of us is that actually changing our budget, looking at our priorities, really thinking about what’s important to get through this next little patch might just be the reality.”

*First names have been used for privacy.

ANZ lending criteria, terms, conditions, and fees apply to ANZ home loans.