ST is right on IMO. Fat loss is more about diet than work outs. At least it was certainly the case for me.

Cut out the sugar, potatoes, fried and processed foods and you are on your way. No eating after 6 helps immensely.

As per workouts my philosophy is to do something every single day. That something is up to you. No need to make a project out of it or even belong to a gym. Here is where ST and I will part company.......I endorse the p90x style workout videos. Just press play, go at your own pace (I press "pause" a lot  ;) ) and incorporate the dumbbells.......I believe resistance training is crucial, especially us old codgers  ;).

So.......think about it. Something every day.......otherwise, if your anything like me, it is oh so easy to get out of the routine. Maybe I'll bike an hour one day, do a yoga routine or weight disc or cardio another day. Or maybe get on the KF inspired rowing machine which doubles as a dandy clothes rack  ;D.