Well because you want to loose weight and tone, but you don't excercise alot, you don't want to go jogging 7 miles a day like most of the people here because your muscles and heart will go into shock. If you have access to a treadmill , walk on it at about a 2-3 rpm speed on a stiff incline. do this for 30 mins to an hour, this way you get your heart working so you are burning calories and the incline is great for toning .
I don't have access to a gym, so I walk every evening for 4o minutes and jog or sprint for 10. When I get home I 100 crunches, 25 on each side, 30 sit-ups. I do 40 lunges around the house and only 25 squats because i don't want a nice round bum, I like to keep it flat
I finish with 20 pushups, wish helps tone the arms, that's not enough to build muscle.
This is my regime I do seeing as I was exacly like you and my results have been amazing.
You must strech alot afterwards, to creat lean muscles
Don't forget to eat well

And you will feel pain after the first few days, so its good to take a day off so your muscles can stretch.