Cher, trust his advice about the cardio. I think it has been said over and over again by the older members - let your diet do most of the work.
Shadow, since she doesn't have a lot of equipment or a gym membership, would your 5x5 program help her build additional muscle mass? Most, if not all of the excercises can be done with dumbbells &/or barbell. (BTW - your program is kicking my ass (and it's only been one week!). You should make it a Sticky)