Concerning the heart rate monitor: You don't need it. What you need to do is enough cardio that you actually sweat.
Your body will get used to the cardio fairly quickly, if you do it every day. You should walk for 60 minutes your first week with the goal to simply get off the machine with spring to your step. You don't need to run at first, increase the incline, increase the speed but keep building your endurance. Your body, will tell you when you want to run.
Something I still do is run for a few minutes, and then walk, run again, and then walk.
Concerning weight training, don't lift heavy weights. that is the biggest mistake, everyone makes.
I do suggest you get a trainer, once you have been able to get your endurance built up.
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