Are you guilting yourself into starting a fitness regimen? Shopping for "plans" to get fit and fabulous? Preparing yourself for pain and misery as you begin your daily workouts and "diet?"
Here's the thing: If you make it simple and fun, you will stick with it longer and develop lasting results.
Yes, there are plans that will help you shed weight and build muscle - fast. But before investing or beginning those programs, decide whether or not you will stick with it for the long term, meaning rest of your life. If the answer is no, move on. You would be wasting your time and putting your health at risk.
Yo-yo dieting and weight-loss/weight-gain has been shown to affect your overall health in a negative way.
A better solution is to find activities you love and start doing them. Find healthy foods you love and start eating them. Add healthy activities that you can stick to long term and develop a passion for them.
If you are really out of shape and at a loss as to where to start, a personal trainer can help you build a foundation of strength, flexibility and cardiovascular health. This will help make other activities more enjoyable. Once your trainer gets to know you, they can suggest activities that you might enjoy, such as weight training, running, volleyball, triathlons, skiing, hiking, biking, roller blading, pole dancing, softball, etc. A group of local ladies here just started a roller derby league - what fun!
Here's some articles on what other folks are doing, including some senior athletes. It's never too late to get moving!