* "Time of the Month": This is the most common meaning of TOTM, referring to a woman's menstrual cycle.
* "Top of the Month": This refers to the first few days of a particular month, often used in financial contexts.
* "Token of the Month": This refers to a particular item or offer that is promoted during a specific month.
To know which meaning of TOTM is intended, you need to consider the context in which it is used. If you're unsure, it's always best to ask for clarification.