I read constantly that weight training is The Answer (more muscle = more fat burning... blah, blah, blah). I did 3-day rotations forever, based on that advice and the fat didn't budge. HOWEVER, I still hadn't cleaned up my diet, which is more than likely where the blame lies. I'm still a chub but here's what I'm doing that's getting me rapid results, now:
1) In the mornings, on alternating days, I do Cardio Coach on the treadmill and FULL BODY workouts for several weeks. After that, I switch it up by doing Cardio Coach alternated with 3-day split workouts for several weeks. I haven't been doing this long enough to see a cessation in results but when I do, I'll change it up again. I'm reluctant to give up any of my Cardio Coach sessions because they're doing fantastic things for my legs (like nothing else has). Still, I always have a SERIOUS cardio dvd as a backup option, which I'm sure I'll use in lieu of at least one CC workout, eventually. At some point, everything (even CC) becomes a drag and then you lose interest. The point is to change it up enough that that doesn't happen.
2) In the evening, to keep my metabolism reved (I have fat to burn) I tack on and additional EASY cardio workout of my choice. I'm having a lot of fun playing with all manner of dvd workouts in my collection, all of which work up a sweat but none of which are super tough or challenging. Hence, I'm pulling out a lot of my old Firm dvd's (the 3-lb weights help get my heart rate up but don't interfere with my REAL weight training), Winsor Pilates, Karen Voigt, Prevention workouts... I have a bunch of stuff to play with. The key is to keep these workouts light and fun so you amplify your results without burning out. And it's nice to finally use all my older stuff again, much of which I don't ever remember doing...
3) The absolute biggest thing I'm doing is seriously cleaning up my diet for the first time, ever. Four days into it cutting out all sugar (and sweeteners, except I've yet to start weaning myself off diet soda, though that's coming), I went into such withdrawl... it was bad. No chocolate, no ice cream, cookies... thought I'd die as I bitterly chomped black seedless grapes! I've had a few bits of chocolate since I've started but it's not as good as I remember and I don't touch it until after I've had my proper protein and carbs and have eaten my vegetables. Frankly, if you eat 5-6 clean meals you just don't have room (or the cravings) for junk. But discipline has always been my issue. I am presently re-reading Tosca's Eat Clean Diet book and am shocked at how much information didn't stick after the first read. There's some resentfulness towards her and her husband, Robert Kennedy, on these boards (not entirely unjustified, either) but her information in this book IS solid and very helpful. A good place to start. Learning that 80% of the body you wind up with is actually attributable to diet (not workout, not genetics), makes you realize you're just wasting your time if you don't clean up your eating. It takes real effort to plan and prepare everything but it's ultimately worth it.