Sexual squeamishness does women no favours

The opinions in this article are NSFW. Or breakfast. Or anywhere - that's the problem. Women aren't supposed to be filthy.

Let's talk about female masturbation. Or, as it should more rightly be known: masturbation.

I'm a lifelong, unashamed wanker. Like most other women I know, I masturbate fairly regularly. Sometimes to ease stress, sometimes to get me through a dry patch, and often just because I've seen something so hot that it'll prevent me from working unless I can get it out of my head. Like singing a song to remove the earworm.

And yet publicly admitting that I'm a wanker makes me feel like a tomboy. Not because few women talk about it, but because of the way we talk about it. We're "admitting" to it coyly, with stifled giggles and demure blushes and a veiled implication that rubbing ourselves sore for no better reason than that we want to is ever so slightly weird. Owning a vibrator is fine, of course. Push the boat out: get yourself a collection of sparkling, buzzing and almost uniformly pastel-coloured masturbation aids if you want to – that still fits neatly with the narrative. It's fundamentally about the acquisition of pretty things rather than the fulfilment of ugly needs, a concept which is far less tasteful and – dare I say it - ladylike. A woman pulling her trousers down and bare-handedly frigging herself to a quick, functional climax, despite being a far more common way to wank, is not a particularly common image.

But women do this. We wank. Not in a romantic, bathtub-filled-with-rose-petals way but in a dirty, lustful, grunting way. We have fantasies and desires that can't be sold in WH Smith; we masturbate with a fervour that can't be explained politely.

The fear of female sexual desire is apparent in so much of the language we use. Women's magazines are happy to mention how you should treat your man's "testicles" and "penis", but less keen to refer to the vagina, clitoris and vulva. Women reading about sexual positions are instead told to trigger their "passion buttons" or informed that a particular trick will feel really good "there". When we talk about the horrors of pornography, and how our innocent children are having filth inflicted upon them by a wicked internet, our focus is on how the young boys – who seek porn out because they're understandably curious - will be corrupted, and the girls – who must have stumbled across porn while innocently googling Twilight fanzines - will be defiled. People rarely observe that some of these girls must be wanking too. Like it, loathe it, or shout "won't someone think of the self-esteem issues", some teenage girls are actively watching, enjoying, and rubbing their clits to porn.

As girls grow older, they're offered yet more reasons to think that torrid lust might be an exclusively male experience. In women's magazines, discussions of sexual fetish are pretty solidly divided into the "safe but naughty" category (tying each other with silk scarves, spanking, threesomes) or "depraved" (hardcore pain, urine or things that can't be catered for at Ann Summers). The latter category, we're supposed to believe, is solely the domain of men - something we should either tolerate or reject outright. We're primed to imagine that women are looking on in horror, either damaged by the rampaging power of male sexual desire or feisty and strong enough to say, "no, you may not do deliciously disgusting things with me, for I am a woman of dignity". That's our choice, right there: to be corrupted, or to be strong enough to say no. Women who actively enjoy sexual extremes and experiments – who want to hurt consenting men and shag multiple partners at once and have anonymous, no-strings sex that ends with a high five instead of a hug – we're not really in this picture at all.

On the surface, this can seem like a good thing. The mystery that shrouds our more sordid needs saves us from potentially awkward conversations - our secrets remain firmly hidden behind a blush and an arty book cover. But this does women no favours in the long run. Keeping our sexual desires secret doesn't make us alluring: it makes us weak. When we whisper censored versions of our fantasies we're allowing ourselves to be cast in a passive role, that of the delicate companion whose job is to temper untameable male sexual urges. If women are seen to have little sexual desire, we're not equal people engaging in mutually pleasurable acts; we're stoic yet silent heroines, tolerating sex for the sake of something else. And each time this rose-tinted rom com plot is repeated – boy meets girl, girl politely lets boy shag her – it influences not just our attitudes but our behaviour.

When was the last time you saw a man reading something erotic on the bus? I doubt you've ever seen it, and yet you'd be more likely to roll your eyes than bat an eyelid if a woman pulled out a dirty book on the commuter train to work. This isn't a good sign – a demonstration that we're becoming more comfortable with female sexuality - it's the opposite. A woman can read erotica in public because we aren't threatened by her; her sexual urges are clean and controllable. She's probably reading the book with a vague sense of irony, or because her friends have told her to, giggling slightly as she gets to a particularly rude bit. Women can read porn on the train not because we're comfortable with their sexual urges, but because we never confront them. We can wave a sign that says "mummy porn" without acknowledging what's actually happening. The less playful truth is that when most women read erotica they get not just cerebrally but physically aroused: their heartbeat's rising, their clits are throbbing, their vaginas are getting slick and moist. Some are crossing their legs to feel the pulse of their arousal thrilling their crotch through the seam of their jeans.

This kind of image, while it might not be what you want to read over breakfast, is not only a common thing but something we should see more of. Hear more of. Talk about. Understanding female sexual desire, and having an open and honest discussion about it, gives women more power to shape our entire outlook on sex.

While we remain silent on what we actually want – the unsanitised fantasies that drive us to masturbate at night, rather than the tamed-down versions we'll admit to after a drink or two – we're letting other people dictate what we should and shouldn't enjoy. We damn ourselves to lives spent reading about how to please our men, instead of the things that actually turn us on. We're seen as people who give sex as opposed to people who need and enjoy it. This is an excellent foundation on which many of the ugly structures of patriarchy are built: the myth that women must be pure to be good; that we must be either coerced, bribed, or forced into bed; that our clothing and behaviour can be dictated by men, because they're the only ones who could possibly understand the sexual significance of our bodies.

I appreciate that telling your partner, friends, or the internet your genuine sexual fantasies, using words like "clit" and "vulva" instead of "passion button" and "down there" isn't going to shake the foundations of patriarchy to their very core. But by having a more honest dialogue about female sexuality, we can at least frame the debate so that women's real desire is somewhere in the picture. We're not just things to be used and appraised, we're active participants, who appraise and lust as hard as we're lusted after. We're drooling, fornicating, powerful creatures too. Creatures who need not just love but sexual comfort, the fulfilment of lustful fantasies, and above all a damn good wank.

Girl on the Net writes on the net at Girl on the Net, and her book My Not-So-Shameful Sex Secrets is out later this month.

A woman can read erotica in public because we aren't threatened by her; her sexual urges are clean and controllable. Photograph: Getty Images.
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Q&A: What are tax credits and how do they work?

All you need to know about the government's plan to cut tax credits.

What are tax credits?

Tax credits are payments made regularly by the state into bank accounts to support families with children, or those who are in low-paid jobs. There are two types of tax credit: the working tax credit and the child tax credit.

What are they for?

To redistribute income to those less able to get by, or to provide for their children, on what they earn.

Are they similar to tax relief?

No. They don’t have much to do with tax. They’re more of a welfare thing. You don’t need to be a taxpayer to receive tax credits. It’s just that, unlike other benefits, they are based on the tax year and paid via the tax office.

Who is eligible?

Anyone aged over 16 (for child tax credits) and over 25 (for working tax credits) who normally lives in the UK can apply for them, depending on their income, the hours they work, whether they have a disability, and whether they pay for childcare.

What are their circumstances?

The more you earn, the less you are likely to receive. Single claimants must work at least 16 hours a week. Let’s take a full-time worker: if you work at least 30 hours a week, you are generally eligible for working tax credits if you earn less than £13,253 a year (if you’re single and don’t have children), or less than £18,023 (jointly as part of a couple without children but working at least 30 hours a week).

And for families?

A family with children and an income below about £32,200 can claim child tax credit. It used to be that the more children you have, the more you are eligible to receive – but George Osborne in his most recent Budget has limited child tax credit to two children.

How much money do you receive?

Again, this depends on your circumstances. The basic payment for a single claimant, or a joint claim by a couple, of working tax credits is £1,940 for the tax year. You can then receive extra, depending on your circumstances. For example, single parents can receive up to an additional £2,010, on top of the basic £1,940 payment; people who work more than 30 hours a week can receive up to an extra £810; and disabled workers up to £2,970. The average award of tax credit is £6,340 per year. Child tax credit claimants get £545 per year as a flat payment, plus £2,780 per child.

How many people claim tax credits?

About 4.5m people – the vast majority of these people (around 4m) have children.

How much does it cost the taxpayer?

The estimation is that they will cost the government £30bn in April 2015/16. That’s around 14 per cent of the £220bn welfare budget, which the Tories have pledged to cut by £12bn.

Who introduced this system?

New Labour. Gordon Brown, when he was Chancellor, developed tax credits in his first term. The system as we know it was established in April 2003.

Why did they do this?

To lift working people out of poverty, and to remove the disincentives to work believed to have been inculcated by welfare. The tax credit system made it more attractive for people depending on benefits to work, and gave those in low-paid jobs a helping hand.

Did it work?

Yes. Tax credits’ biggest achievement was lifting a record number of children out of poverty since the war. The proportion of children living below the poverty line fell from 35 per cent in 1998/9 to 19 per cent in 2012/13.

So what’s the problem?

Well, it’s a bit of a weird system in that it lets companies pay wages that are too low to live on without the state supplementing them. Many also criticise tax credits for allowing the minimum wage – also brought in by New Labour – to stagnate (ie. not keep up with the rate of inflation). David Cameron has called the system of taxing low earners and then handing them some money back via tax credits a “ridiculous merry-go-round”.

Then it’s a good thing to scrap them?

It would be fine if all those low earners and families struggling to get by would be given support in place of tax credits – a living wage, for example.

And that’s why the Tories are introducing a living wage...

That’s what they call it. But it’s not. The Chancellor announced in his most recent Budget a new minimum wage of £7.20 an hour for over-25s, rising to £9 by 2020. He called this the “national living wage” – it’s not, because the current living wage (which is calculated by the Living Wage Foundation, and currently non-compulsory) is already £9.15 in London and £7.85 in the rest of the country.

Will people be better off?

No. Quite the reverse. The IFS has said this slightly higher national minimum wage will not compensate working families who will be subjected to tax credit cuts; it is arithmetically impossible. The IFS director, Paul Johnson, commented: “Unequivocally, tax credit recipients in work will be made worse off by the measures in the Budget on average.” It has been calculated that 3.2m low-paid workers will have their pay packets cut by an average of £1,350 a year.

Could the government change its policy to avoid this?

The Prime Minister and his frontbenchers have been pretty stubborn about pushing on with the plan. In spite of criticism from all angles – the IFS, campaigners, Labour, The Sun – Cameron has ruled out a review of the policy in the Autumn Statement, which is on 25 November. But there is an alternative. The chair of parliament’s Work & Pensions Select Committee and Labour MP Frank Field has proposed what he calls a “cost neutral” tweak to the tax credit cuts.

How would this alternative work?

Currently, if your income is less than £6,420, you will receive the maximum amount of tax credits. That threshold is called the gross income threshold. Field wants to introduce a second gross income threshold of £13,100 (what you earn if you work 35 hours a week on minimum wage). Those earning a salary between those two thresholds would have their tax credits reduced at a slower rate on whatever they earn above £6,420 up to £13,100. The percentage of what you earn above the basic threshold that is deducted from your tax credits is called the taper rate, and it is currently at 41 per cent. In contrast to this plan, the Tories want to halve the income threshold to £3,850 a year and increase the taper rate to 48 per cent once you hit that threshold, which basically means you lose more tax credits, faster, the more you earn.

When will the tax credit cuts come in?

They will be imposed from April next year, barring a u-turn.

Anoosh Chakelian is deputy web editor at the New Statesman.