I don't know that I'd consider stretching, meditation, or walking "working out" Sound more like a 20 minute workout with some light cardio in the middle.

The key to losing weight is to keep your heart rate in the right zone. Find your target heart rate for fat burning depending on your age and such and keep it there. Keeping it there with weight lifting will do more than cardio because your muscle burns the fat, but you have to eat right too. It depends a lot on your gentics but try to eat kind of clean and work out to where your heart rate is in the right zone, and then intensify one or the other (or both) as needed.

 

I was keeping my heart rate around 115-120bpm, and every couple of minutes I'd throw in a quick 15-30sec full sprint just to make my heart spike, then come back down. You can't spot train fat loss by lifting.

 

My friend I work out with just lost 82 pounds in 3 months with nothing but lifting and a clean diet. I lost 20 lbs in the first two months I started lifting only (and gained it all back plus some in muscle) with no cardio involved. Its more effective if you don't sit around between sets, just keep your heart rate up.

 

You need to be doing core exercises if you want to tone. If you want to lose weight put on a sweat shirt and start running but, remember you'll be losing weight in your entire upper body.

 

You need to lift weights and eat properly (read: eat a caloric deficit). Lifting burns more calories than running, and it does so over an extended period of time as you will continue to burn calories as your muscles recover/rebuild.. once you stop running, you basically stop burning calories. Lifting also helps prevent muscle loss while eating a caloric deficit and cutting fat.

You cannot spot reduce. Doing a million situps won't burn the fat around your mid-section any faster than doing a million bicep curls.. So, go on bodybuilding.com or something and find a beginners lifting program that uses heavy compound movements (bench, overhead press, deadlifts, squats, pullups), incorporate that with a HIIT workout 2x a week, eat right, and you will lose weight.