Another morning of Running

I am so excited but I ran again this morning, twice this week!  This morning I met another girlfriend and we did approximately 7.5km and included two hill repeats. I know this will not excite most people but it means that I am over the worst hurdle of trying to get back into running after the set backs I have had this winter and can now sit down and plan out a decent ramp up training schedule.

Months ago I signed up for the Toronto Sporting Life 10k event being held this Sunday, Mothers Day.   The site boasts that over 25,000 participants are running it this year which is incredible, especially given that there was a fall out of some sort with the Sponsor of the event, Sporting Life and the Race Organizers. So the Race Organizers of previous years decided to hold their own 10k 3 or so weeks earlier along the same route.  The only reason that we chose to continue with this race is because a good friend is fundraising for the Camp for she has a good friend who has a young son with cancer.

Sounds like a good enough reason for me.   Given that I haven’t been able to train for the event I figured it would be a waste of money to hire a childcare sitter at $15/hour for me to do a practice run.  I was disappointed that I wasn’t able to do this but it just didn’t make sense financially.  So when a girlfriend floated the idea of doing a trail run on Saturday instead, I figured why not for my other half would be with the girls and the $35 trail run registration was less than half the money it would cost for a childcare provider.

So registered I am for my first trail race. My girlfriend is signed up for the 12k   event but I smartly decided to sign up for the 6k event. I have only run once on  trails and I can’t even count the number of ‘almost falls’ or the times I rolled over on one ankle or the other.  Despite these mishaps I was no worse for wear in the end and loved the experience so here is trying my first official trail run.

The good news (I think) is that my husband felt bad that I couldn’t do Sporting Life so he figured out a way that we can make it happen with zero cost to us. It involves having Reilly stay over at my in-laws and London going to a friends house at 6.30 am in time to pick up the dad who is also running this race. Unfortunately it is too much to ask our friend to look after both girls and my in-laws have company staying over and likewise it would be too much to ask for both girls to stay over.

So for a girl who hasn’t run in weeks, now has a full weekend of running events, bring them on!

Snails, Frogs and Worms

I have had to abandon my running routines in the past 2 1/2 months due to a few different issues, including rolling over my foot and putting my cuboid bone out of alignment, coming down with bronchitis, asthma issues, blah, blah, blah.  Every so often during this time I would lace up my shoes thinking the worst is behind me only to be sidelined again for a period of days.  On Friday of last week I went out for my first run in a long time and intended to keep it to 7k max. I felt great, thanks to a nice and easy pace and ended up with 9k under my belt.

This morning I resumed my usual Tuesday 5.00 am schedule and met a girlfriend at our usual spot.  During my time off, my friend has become fitter than ever and right from the first few steps, we were at an angle with her two steps ahead. I had to politely remind her that I was just getting back into running and I might need to harness her to keep her back at my pace.  Despite the continuous drizzle, we had a great run catching up and trying to avoid the crunchy snails, jumping fogs and many worms, as well as, all the puddles. In the end I was soaked from head to toe but it was 14 degrees out so it wasn’t too bad.

Our overall pace was 5:57/km and normally this would be a walk in the park but it became my new speed work pace. Hopefully in no time I will be back where I was and even stronger.

  • Lap 1 – 6:08
  • Lap 2 – 5:53
  • Lap 3 -6:32 (asked to walk up a hill)
  • Lap 4 – 5:41
  • Lap 5 – 5:47
  • Lap 6 – 5:43
  • Lap 7 – 6:00 (30 second walk break request)
  • Lap 8 – 5:49

A great way to start the day!

What is your Mortgage payment frequency?

When I was setting my Mortgage Payment goals, my mind went fuzzy on what the difference was between Accelerated Weekly and Weekly so I decided to unfog my memory bank on this matter.

Here is a chart that goes through an example, starting with a Monthly payment of $625.02 and going through the different payment frequencies and related amounts:

Monthly means you pay once a month, for example the 1st of the month.

Weekly means you pay every week, for example every Monday BUT to arrive at what you pay it is derived from taking the Monthly amount x 12 months /52 to give you your weekly payment figure (625.2 x 12/52 = $144.24).

Bi-Weekly* means you pay twice a month, usually the 1st and 15th of the month.  To arrive at this figure you would take the Monthly amount x 12 months/24 (625.2 x 12/26 = $288.47). * In my mind, this really should say Semi-Monthly.

Accelerated Weekly is the same as Weekly with one key difference. First, it means you pay once a week such as every Monday as you would on the Weekly payment frequency.   The difference though lies in the following calculation. You would take the Monthly amount/4 (625.02/4).  Each year has 13-4 week periods, so you would be paying an extra month per year.

Accelerated Bi-Weekly means you pay every two weeks, not two times a month.  For example using the month of May if you pay every Tuesday, it would mean a payment on May 1st, 15th and 29th.  To arrive at this figure you would take the Monthly amount x 12 months/26 (625.2 x 12/26 = $312.51).

Ideally it would be beneficial for most people to move to an Accelerated Weekly or Bi-Weekly payment schedule for the sole purpose of paying less interest to the banks and being mortgage/debt free sooner.  I recognize that for some people who have very tight budgets, paying anything extra within the month or even year is simply not an option. If that is the case then the second best choice would be a Weekly Payment Frequency, followed by a Semi-Monthly Payment Frequency.

So in reviewing these frequency descriptions, our payment frequency can be classified as Weekly or Accelerated Weekly depending on how you look at it.  To come up with our weekly payment of $625 per week, we simply figured out what was the maximum we were able and willing to put down each week.    Then we determined the monthly amount and set that as our budget figure.