You know you can't spot reduce fat...it comes off from whereever your body has been genetically predisposed to get it from...you are going at it the right way with both resistance training & cardio combined. You're right about the rest periods - give your body at least one day btwn cardio workouts & 2 days btwn same-muscle group workouts. Try some interval cardio to take it to a whole new level & get better results. Remember it takes 4-6 weeks for your body to adjust to new stresses, so make sure you change up your routine every 6-8 weeks. If you still need help, try hiring a personal trainer! GOOD LUCK
MISSFIT, Personal Trainer