The key to fat loss and cardio is low intensity and longer duration.
You can gauge your intensity by counting the # of words you say between breaths. Ideally, 6-7 words/syllables for fat-burning.
My fave phrases (when I don't have someone to chat with so I don't look crazy talking to ...
Sometimes we just don't feel like working out. So just commit to 10 minutes. You'll find that before the 10 minutes is up, your endorphins are pumping, your feeling good and you'll **WANT** to finish a good workout!