Next piece of advice: Cardio is great, and it is necessary, but it isn't efficient for weight loss. Resistance and interval training are much better for cutting weight; alternate or augment with cardio for cardiovascular benefits. There are many reasons for this, but as I understand it the main one has to do with resting metabolism. Muscle tissue burns more calories than does fat, when at rest.
I find cardio is best done first for 10 or 15 minutes, then my heart rate is kept elevated by the workout. YMMV. Still have a heart rate in the 50s to match my age.