Butterfly -- Sounds like you're on a "plateau" they really suck but they are part of the losing game unfortunately... The recommendation is that you should change your workouts every 4-6 weeks, I change my almost weekly because *I* personally get bored doing the same thing for 4-6 weeks, I have a short attention span

The change doesn't have to be drastic but adding more activity during the day like someone said parking further, adding intensity or sprints, will ususally do the trick to to bring things up a notch... As for your food plan, change that too, your body is getting used to the same foods day in day out. It could be just introducing more veggies and a new fruit or adding another meal/snack or omitting some dressing or butter on veggies...
Oh and, as for the time of day you exercise, anytime is good as long as you DO IT!! If getting up too early will prevent you from exercising, well that's just not a good thing. I really think that those recommendations are for athletes and people who exercises for a living and not for the average person...
Hope this helps and let us know how it goes...