The problem with fat is that it usually comes from the food you have been eating. It is nice to work out to burn the fat, but if the fat keeps coming back, you will not see the use of working out. I think in cases like yours, it is best to first evaluate what you have been eating and how close that is to what you should be eating.
I monitor my calories and nutrients (I am underweight but I do have little handles, so I have obviously not been eating the right stuff). Since I have been using MyFitnessPal (iOS), I have figured out where the problems are coming from. Despite believing that I eat healthy stuff (I do, compared to most people), it turns out I am doing a few things very wrong. Part of the calories I absorb that should come from carbs come from fat instead (my protein levels have always been just right). So, I have been replacing certain foods with other foods. I am quite happy, as it turns out that potatoes are the way to go for me, and I totally lurve potatoes. Who would have known, right? All this to say don't be afraid of mixing things up with nutrition, it doesn't mean you'll be stuck forcing yourself to eat stuff you don't like.
And then, work out. I so far find that it is an excellent approach. The workout takes care of my shape, but it is the nutrition that helps to keep that on track. Obviously, the more you work out, the more calories you will need, which is great news for me as my greatest pleasure in life is stuffing myself.
I think that after you have taken steps to a better nutrition, you should look for short cardio workouts (in the 10-minute range) you can do every day multiple times a day that will get you in a shape that will allow you to move on to longer, more targeted workouts. If you haven't been working out, it will be hard to finish workouts that last half an hour or more (speaking from personal experience). Cardio is key and body weight workouts will give you the necessary endurance to zoom into your ultimate workout.
Obviously, if you can jog to the store instead of walking (or even worse, driving), that will help, and so will climbing the stairs instead of standing on them waiting to be hauled up. But this is pretty obvious and I am sure you have already been doing this.
To sum it up, you might want to look into your nutrition first, then do short general cardio workouts several times a day. By the time you feel good about that, you will just know what kind of workout you need next. You will just know!
All the best!