A few little tips/pointers from me that have helped my (slow and gradual) weight loss:
Aerobic exercise can be as little as 3 times a week, provided you train for upwards of 45 minutes at a constant pace. Everything up to the 30 minute mark of continual is only burning off your sugar stores, everything after that is fat burning.
Breakfast is a must, 3 meals a day are important as you are letting your body know that it is definitely being fed at set periods every day and it doesn't need to worry about excess fat production/storage to fuel your body for periods of no food.
I need to cut out the snacks in the evening still and my monthly takeaway allowance is still in the moderate to high area. I need to stop it! Also, for toning muscles etc, why not try the 100 club? I've not done it myself but I've seen it work wonders on other people. Basic idea is to do 100 situps and 100 pushups over the course of the day. You can alternate doing this on the days you aren't doing aerobic exercises.
My weight loss over the last year has amounted to a paltry 10Kg. I've gone from 110Kg to 100/101kg. My main source of Phys is running, its the only kind I'm enjoying at present, however a recent infliction of shin-splints and an achilles injury has put me out of action. So spinning and X-Trainer are my current aerobic exercises.