Welcome to 3fatchicks! There is great info and support on this site so I'm glad you found it.
Getting started can be so difficult, but once you get one day, then you can get another and before you know it, you're doing well for a week and so on.
There are many different opinions on how to get to a lower body fat but you will have to find what works for you through trial and error.
Personally, I find that having deadlines is too stressful and only makes me more likely to lose motivation. Focus on making healthy changes and let the weight take care of itself. I highly recommend taking before photos because the scale doesn't always give an accurate picture of what goes on due to water weight.
The way to lose weight: eat at a caloric deficit. Exercise is great for fitness but overall, the bulk of loss will have to do with diet.
I personally couldn't stick to anything until I cut out certain things from my diet. For me, that was sugar and flour. I have no more than two fruits per day. I don't drink any of my calories. I only drink water and one coffee in the morning sweetened with Stevia.
I do exercise because it helps me with my state of mind. I also have a husband who needs to lose weight (unlike your husband) but he eats very poorly and will often binge on junk food right in front of me. I just focus on what I'm doing. I tell myself that all that junk is just not for me.
There might be a lot of changes that need to be made. If you find that overwhelming, perhaps you can start with one change and make a new one every few days or once a week.
If you'd like, you can post what you eat on a typical day and we can help you make some changes that might not even be all that difficult to implement.
I wish you all the best. By the way, there's a subsection here for UK chicks.