Well, that's actually NOT me above (the starter of this thread), but I think you're a cute girl! I don't think you're fat, but (like every single one of us here!) could benefit from a cardio/strength combo.
To correct something that I think PMDilly wrote earlier about my stats (and maybe he was actually simply describing a hypothetical situation), my weight right now is 108, not 120. It was 110 when I began this thread, but I worked my ass off these past few weeks, and think I might have made a little progress.
So based on what everyone else's helpful replies, I have decided to try this plan out:
6 days cardio/week, 30-45 min. each
3 days weight training, 20 min. each
1300-1400 cals/day
I know that I am not doing a lot of strength training, but I am trying to "cut" now and not "bulk." I do have much more definition in my arms now since I started weight training last summer at 3x a week for 30 min. each, so I am grateful for that, and now want to focus on removing the layer of fat on top of my muscles through rigorous cardio and diet.
Also, I am going to heed Malkore's advice (on someone else's thread), and eat my grainy carbs in the morning, limiting afternoon/evening carbs to veggies. That's a tactic I haven't tried before, we'll see if it works.
So, here's an example of my meals today:
PRE-WORKOUT SNACK: 130 cal protein bar
BREAKFAST: Turkey/salsa taco + sf hot chocolate, 135 cals total
SNACK: 100 cal-bag popcorn + 60 cal string cheese
LUNCH: tomato soup + turkey slices, 270 cals
SNACK: one carrot + lowfat cottage cheese, 130 cals
DINNER: I don't know yet. I'm thinking something involving Egg Beaters.