Gym - 25 minutes threadmill, 20 minutes eliptical......easy day. At my gym they have a computer ID sign in at the front desk with your picture, WOW do I ever look like a different person from 6 years ago when I joined.....Big improvement.....and I look younger now.
Mandy - I do circuits too, the best plan is to do two or three machines for each muscle or muscle group. I do one set and then go around 2 more times, totalling three sets....And you want to move, don't dally inbetween exercises or sets.
Your heart rate should be where Beth mentioned (although I don't know where you are gonna get the stored body fat to burn

). About your workout schedule, 4 days a week huh? It depends if you work your whole body on circuit day (I do). If you do, then I would say do circuits twice a week and cardio all four days. At your fitness level and size, I don't think you need to workout everyday. If I were you I would plan on working out the four gym days and then see what happens the other three. Chances are your gonna get exercise with your son and family too.
This is my workout schedule, M-F 45 minutes at the gym. M-W-F cardio.
T-T circuit train. Oh and you can do abs daily if you want to, as long as you are not training to build bulk, tearing the muscle, then it would need 48 hours to repair itself.
Okay - I hope this gives you more input to think about and ofcourse this is just my opinion.
Your size is determined at 90% what you eat, 10% workout routine.