I am NOT a runner.

I am NOT a runner.

I am NOT a runner. Wait let me make sure you understand. I AM NOT A RUNNER. I don’t believe I am a good runner. I was never good at running growing up. Never pushed the limits, took that leap of faith that i could ever be. I was too FAT to be a good runner.  That was my excuse.

For 28 and almost a half  that was my excuse. Just if I was skinnier I could be a good runner, a great runner, not such a scaredy cat.  Do all this cool things, take the bull by the horns. EXCUSES EXCUSES. Will me being skinny really make me a great runner? Yes it would make it easier to run fast, take stress of my body being smaller, help my breathing, make it so I can run longer before getting tired. But just because I am over weight doesn’t mean I can’t be a runner. The only one that is stopping me from being good or great runner is ME. And the only one that can change that is me. Because in the end we only regret the chances we didn’t take.

Adventure is out there!!! I am not sitting around and letting it pass me by anymore.

I AM a runner!

16 Goals for 2016

My 16 Goals for 2016

 

  1. Do 52 Saving Plan (3,000)

  2. Get my CC (10 Toastmaster Speeches)

  3. Get my ALB (Advance Leadership)

  4. Get my Triple Crown Award (3 Awards in a single Toastmaster Year)

  5. Do at least 16 speeches

  6. Post at least 5 times a month 

  7. Visit at least 2 new states

  8. Do at least 3 races

  9. Clean/ reorganize room

  10. Visit Oma/ Family at least twice 

  11. Lose at least 50 pounds 

  12. 2500 Miles (FitBit steps)

  13. Get all steps (shoe) badges on FitBit

  14. At least 1 bike ride to the beach/ long hike

  15. At least 1 road trip (two nights min.)

  16. Be better friend, worker, and person (help people and give back)

2015 Goal Recap

Before 2015 started I made a list of 15 goals to complete and do in 2015.  There are a few goals I knocked out of the ball park and some that just didn’t happen for various reasons.

2015 Goals

  1. Visit my Oma twice- I was able to make the trip up to see her once. For her 90th Birthday. She was truly a Queen that day. There was plans for me to visit a second time for my cousin’s baby shower but unfortunately it fell on the same weekend as the Fall Conference for Toastmasters which I run and manage the District 12’s bookstore.
  2. 2500 ActiveLink Points- I was really excited and motivated that I would accomplish this goal, but sadly in October WeightWatchers announced that they will no longer be supporting ActiveLink. I believe I achieved a lot 2000 points before they discontinued the ActiveLink.
  3. Do the 52 week saving plan ($2,000)– The 52 week plan really should at up to $1378, but I decided to make it add up to $2000. More on this goal in an upcoming post. But yay yay yay I did it!!!!!
  4. Read at least 15 books- I read about 7 or 8 completely and half of two others.
  5. Clean out room/ Organize it- Really wish I got this one completed I have a 15% of this goal complete and hope to have this crossed of my goal list in the near future.
  6. Take 3 trips away- I only ended up going on two trips for 2015. Both trips were to Las Vegas. One in January for ASW and the other in August for Toastmaster International Convention. Both trips were full of fun and learning and will be attending both events in 2016. My third trip that was had planned sadly got cancelled.
  7. Visit Sarah at least five times- I visited my BFF Sarah Patrick and the kiddos 4 times this year. So close!
  8. Do at least one long hike/ bike ride– At the beginning of summer I was kidnapped/ surprised and taken to Santa Monica to rent bikes. We rode down the boardwalk and to Venice Beach. It was truly a wonderful and fun surprise with memories I will always cherish.
  9. Go to Six Flags- This wasn’t so much of a goal as a want.
  10. 100+ Group X Classes- I did 43 of 100 that I set out to do.
  11. Do at least one race- Just never got around to signing up. Looked at a number of ones but they never worked with my schedule. Definitely planning to improve and make up for not get this goal done.
  12. Donate 100+ things– Ended donating around 150 different ideas. Old clothes, stuff I didn’t need anymore and stuff for the holidays for the less fortunate.
  13. 225 lbs or Less- This year had its ups and downs. Unfortunately I did not carry out this goal but I am not giving up on this goal.
  14. Clean and Keep car cleanThis goal has been completed and uncompleted many times in 2015. Hence why the keep is not crossed off.
  15. Finish High School/ College Scrapbook- Just never got around to completing this goal what so ever. But this is probably one of the least important goals on my list.

So the end count for 4 completed, 8 partly completed/ started and 3 untouched with a percentage of 26.66666667 completed goals. I have confidence that my goals I have set for this upcoming year 2016 (future post) will end with at better percentage completed.

A Few Things To Know About Saving Money Early

How to Establish a Strong Foundation for Financial Success

 

SAVING MONEY IS A HABIT YOU HAVE TO PRACTICE

Even if you start with saving just your pennies and dimes a week, it’s important to establish a saving habit while you’re young. Start saving small, painless amounts and watch your savings account balance grow. You’ll be building your discipline to save money and it’ll motivate you to find more money to sock away.

YOU HAVE TO LIVE BELOW YOUR MEANS TO SAVE MONEY

Simply put, make sure you have more money coming in than going out. Overspending is the biggest financial problem for many, which can be addressed by creating a budget, living a lifestyle that’s realistic for your income and working toward healthy spending habits. For others, low-income might be the problem; if you’re in this boat, get proactive and look for professional opportunities, like promotions, networking, vocational training or more education.

SAVING MONEY IS KEY TO HAVING THE LIFE YOU WANT 

You probably have many plans, dreams and goals for your life, from traveling to earning a degree, buying a home or getting married. Whatever you see for your life, more often than not you’ll need money to make it happen. But money to cover those expenses doesn’t just materialize, you have to save it up. Turn your dreams into realistic and concrete goals to start working toward your ideal life.

AN EMERGENCY FUND IS A MUST

Saving an emergency fund will protect you and help you keep your finances on track. Even when life hits you with unexpected or big expenses, you’ll have the emergency fund to act as a buffer for unexpected expenses instead of having to use money saved for other goals, or worse, go into debt. Try having and emergency fund of at least $1,000.

SUCCESSFUL SAVERS SET SHORT AND LONG TERM SAVINGS GOALS

Those who have the savings habit down know how to set goals and follow them. They set goals, like paying for a trip or buying a home five years from now, and break those into smaller steps. Savers know how much they have to save each month to achieve long and short-term savings goals, from this year all the way to retirement, and they use those goals as motivation to stay on track and avoid unnecessary expenses.

 

SHOOT TO SAVE AT LEAST 10 % OF YOUR INCOME

 

SAVING HAVE TO BE BALANCED WITH OTHER FINANCIAL GOALS

While saving money will always be an important part of your financial health, it’s not the answer to every money question. At times, your financial situation might call for you to put more of your funds toward other goals, like paying down debt, covering education or medical costs, investing or even covering day-to-day expenses when money gets tight. Once you have an emergency fund saved up, funds might be better allocated to other goals.

START SAVING FOR RETIREMENT NOW

Start saving for retirement now and you’ll have to put away less every month. Money you save in your 20s will be worth more in retirement than money you’ll save in your 30s or 40s.  Plus a lot of employers will match retirement savings

SAVING IS EASIER WHEN YOU AUTOMATE IT

While saving money is a habit you can cultivate, you can also set up your financial system to work toward your goals for you. Most banks offer an automatic transfer option that can be set up to send an amount set by you to your bank account at a predetermined time — say $250 to your savings account on the first of every month. Alternately, you can also set up direct deposit through your employer to automatically move a portion of each paycheck into your savings account.

SAVING MONEY: THERE’S AN APP FOR THAT

For tracking daily spending and savings goals progress, try Mint. More and more banks are even offering their own version of spending and budget trackers. If you have a hard time finding the extra funds in your budget for saving, try money-saving app Digit, which tracks your finances and adjust savings accordingly, moving money into your savings account in such a way that you never miss it.

THERE’S ALSO A TAX BREAK: THE SAVER’S CREDIT

The IRS offers a tax credit that rewards lower-income taxpayers for saving for retirement, called the retirement saving contributions credit or simply saver’s credit. You can take advantage of this credit if you have an adjusted gross income of $30,500 or less in 2015.

MERRY CHRISTMAS!!!

MERRY CHRISTMAS

 

It’s that time of the year again when Friends and family come together and think about the Christmases of the past and plan for the coming holiday with their loved ones in mind. As I reflect on this wonderful day, we all must keep in mind that Christmas is not just any holiday but may be the most important one of the year for some people. It is a time for remembering, a time to share the goodness of your heart with others, and for expressing with words and gifts what someone means to you. It is a chance to make wishes come true and to give something from your heart. It is a chance to give a message that will express love and caring to the ones we care about the most. As you connect the people important in your life, take a moment to make a Christmas wish for each and every person on your list.

 

May your hearts be filled with peace and faith in God. May your days of doubt be replaced with days of HOPE and JOY. May you and your family get nurtured with lots of love. Merry Christmas and a Happy New Year to you and to your loved ones!

Kathryn “JOY”

404 NOT FOUND – Update

I posted yesterday that I was have problem with 404 not found pages. I am happy to announce that its been solved. To be honest I don’t know how it got solved (will need to learn that hopefully at some point) but I braved up and reached out for help. I am truly grateful that I have people in my life that I can reach out for help and support. Also that they were able to help and fix it so quickly. Thank you for saving my sanity. If anyone ever need help with there website and or computer/ laptop I have an awesome Tech guy I can refer.

A Little Honesty from KathrynEkman.com

 

A Little Honesty from KathrynEkman.com

I have had this website now almost five years. Yes that right five years. I believe I have like 11ish post which mean I have averaged about two post a year if you divided it up. But seeing as my last post was almost two or three years ago I would have to  admit I am kind of slacking. I had big plans of being this super saving deal blogger but there was this thing called life that has gone in the way. Not saying that is a good excuse for not doing too much with KathrynEkman.com. If I was truly honest with why this site hasn’t been has successful as I dreamt it would be, it would be because of my fear of failing. But really fearing to fail is the same as fearing to succeed. My blog KathrynEkman.com is so much more than coupons and savings, it will be a way for me to express my life, journey, ideas, experiences and of course I will share any cool deals and saving tips I find thru out this journey called life.

January 23th – New Beginnings

Kathryn’s New Beginnings

“This bright, new day… complete with 24 hours of opportunities, choices, and attitudes… a perfectly matched set of 1440 minutes.This unique gift, this one day, cannot be exchanged, replaced or refunded. Handle with care. Make the most of it. There is only one to a customer.” – Author Unknown

Today is a new day and new start of the rest of my life.  This part of my website is going to help myself and hopefully other stay motivated with goals and dreams. Some day will be tougher than others and I may pour out and share more than the basics. But I’m just going to put it out there if you don’t like it then don’t read this part of my site or just lose this website address all together. I am doing the for ME! Love you all!

Much Love

Kathryn Joy

Entertainment Book

35% OFF all 2012 Entertainment Books with ONLY $1 shipping!

Entertainment Books is published annually in different editions for various major cities around the US. The book gives you discounts on local restaurants and entertainmenthotels nationwiderental cars nationwide, certain theme park admissions, and more.

Each Entertainment Book has coupons for many local full-service restaurants (typically 2-for-1 meals or 50% off), plus fast-food and casual dining coupons. If you plan to use restaurant coupons, pick the book for the area where you plan to eat.

 

Entertainment Booksare an awesome way to save money.