what kind of supps are you using?
this can also play a big factor in how much fat you lose. im talking about ALA, CLA, green tea, theses supps help out tremendously to reduce BF with out using cardio. IMO if you need cardio use the least amount needed to see an affect. that maybe only 30minutes 3 times a week, then after a few weeks just add another day. this is the best way i know how to use cardio and preserve muscle. i used it to get ready for a show one year. no need to start out doing 45 minutes everyday you wont have any rooom to move up
just my 2 cents