A pretty easy formula for losing weight is to increase activity and decrease food and calorie intake. But you don't want to lose muscle mass, so strength training is important. I don't know, if you have an Aldi's by you, but they sell a whey protein powder blend called "Elevation" and 1 scoop of this blend has 30 grams of protein and only 9 grams of carbs and 2 grams of fat and only 180 calories. And it's very inexpensive. It's about $15 for 18 servings, so it's less then a dollar a serving and is sufficient protein after a work out, so you don't lose muscle mass. If you can incorporate commuting to work by bike, it's an easy way to increase your daily activity without having to find a time to go to a gym etc. Get yourself some bands. They are very inexpensive and easy to use in your own home and are a great strength training and flexibility workout. There are lots of vids on the internet on how to properly use bands. These bands have really helped me in swimming, biking, and running with more endurance and speed. Swimming also is an excellent weight loss tool and will tone your whole body and will increase your core strength, which is vital for any activity you do and weight loss program.