So what's answer for frugal, environment-conscious menstruating woman? REUSABLE MENSTRUAL PRODUCTS, of course. Unlike tampons, women can use earth-friendly, reusable menstrual cup, called THE KEEPER( (www.thekeeperinc.com), made from gentle rubber (similar to rubber that is used to make baby bottle nipples). Besides being easy on environment, The Keeper is easy on pocketbook, costing an average of 29 cents a month for 10 years. With proper care (for instance, not using harsh chemicals to wash it), one cup should last up to 10 years!

The Keeper is also convenient, and comes with a drawstring purse, so it is easy to keep with you so you'll always be prepared. And since it is made of rubber, rather than of an absorbent fibrous material, such as rayon, it can be worn up to 12 hours before being emptied. On heavy days, you may want to change it more often. The fact that The Keeper is not made of rayon, or any other synthetic material, also reduces potential for Toxic Shock Syndrome and eliminates dioxin exposure. (Are you aware that FDA does not require manufacturers of tampons or pads to list their products' ingredients in or on box?)

But some women want a reusable - but not an insertable - menstrual product. The answer: reusable menstrual pads, such as GladRags (www.gladrags.com), made from organic cotton that, like The Keeper, can be used for years and will be friendly to environment and pocketbook. In fact, women should have choices -- a drawer full of several different reusable products for various times during their periods.

For these reasons, reusable menstrual products are THE MOST ENVIRONMENT-FRIENDLY OF ALL!

4. Before you make a purchase ask yourself, "Does this match my wardrobe in terms of color, style and price? Is this on my needs list? How versatile is this item? How many ways can I wear it?"

5. Shop first at high-end mass merchants, outlet malls, and off-price stores for basics such as tees, shirts and pants. You'll then have more money for seasonal updates such as jackets or accessories.