I am the type that hates anything flying around when I run, whether it be my hair or my iPod wire.
Thus no arm bands for me.
When I had a long earbuds, I'd put the iPod in my pocket, then thread the wire under my shirt and put the buds in my ears that way. Thus when I ran the wires would not fly around - it'd be hidden under my shirt.
Now I have an extremely short wire for my ear buds. Thus I clip on my iPod to the top of my sports bra under my shirt, and then wear the ear buds. There is a noose to tighten the wires under your chin so it doesn't fly around.
It's easy to say you're too tired, too stressed, too busy, too this or too that. Too bad. The only way you'll strip away the fat is to start by stripping away the excuses.