It's a little hard to say without having all of the information but just taking a stab at what you've posted, I would venture to say that you're potentially undereating. 1300-1500 per day for most people is enough for them to lose weight without any exercise if the food is clean. If you're exercising as well then you may want to consider eating a little more to compensate for that energy expenditure. Also, having a goal weight of 195 tells me that your baseline calorie requirement is probably higher than the 1300-1500 you've been consuming. Undereating can be just as detrimental to losing fat as overeating. Potentially even worse if you consider muscle tissue loss which then slows your metabolism.
Here's an idea of what I do. I'm 31, am 6 feet tall and currently weigh 173 pounds. I workout everyday pretty vigorously and typically for at least 30 minutes up to an hour 15 or so on longer days. At the moment, I'm probably around the 10% body fat range though I wasn't always at this level of course, I used to be near 30%. In my current state and given my current level of activity, if I want to gradually lose weight to get down to 165, it's recommended that I consume around 2700 calories depending on my exertion level.
I just wanted to put that out there as something to consider. Fat loss isn't always about reducing intake and increasing activity. One of the luxuries of increased activity is an increase in your headway to consume calories. Keeping the calories clean of course.
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