For women all over the world, cellulite is largely considered a "bad word." Some fear the very uttering of these three syllables can literally cause the "cottage cheese" effect. While cellulite is largely genetic, most forms are caused by a combination of poor circulation, fat pockets (that's why you'll see cellulite on your butt, thighs, and sometimes even arms!), and female hormones (another reason to adore your gender, girls).