I have a friend who swears by the in-home walking DVDs by Leslie Sansone (I THINK I spelled that right!) Maybe you could score a cheap used one at half.com or ebay?
I love to hike outdoors but in the heat spell we've been having I've resorted to the Prevention Dance It Off DVD.....I really enjoy that one! It has 4 different routines (hip hop, jazz, latin, ballet) and once you get them down you can turn the volume off and do them to your own music. They really are a work out!
If you squeezed in half an hour for an exercise DVD and maybe on the phone did some reps with light dumbbells or resistance bands, I think you'd really see results fast!
I think one of the biggest mistakes I've made is making these grandiose exercise plans (gym at 5 a.m.! every day!!) that are too hard to follow....the truth is that working in even a moderate amount of weights and cardio in your own house, if you're consistent, can give you GREAT results!
TO DO LIST: Lose one pound. Keep it off.