I think that a good thing, esspecially as you wish to tone as well, would be to head to your neighborhood gym and talk to some of the trainers there. Get on a good excersie plan and eat sensibly. There are loads of great websites with excellent low-fat recipies.
One thing to remember: if you plan to tone (and gain muscle mass) you may not see much of a drop on the scales as you would like. Remember that muscle wieghs more than fat. Count the inches, or look at the fit of your clothing: don't get hung up on pounds and scales.
I had great sucess in loosing some extra weight a few years ago without really "eating less". I made small changes in diet instead: toast, but no butter; baked potatoes without butter and sour cream; non-fat lattes without the sugary flavorings; basically, anything "extra" that could be gotten rid of, I got rid of. Plus, it helped me to create new, healthier eating habits. In addition, I walk up a couple of flights instead of always using an elevator. I get off the bus one or two stops early. Those little things all help a lot!
Good luck!