I don't know if it's out of your price range, but Bally is a pretty cheap gym to visit and they have personal trainers that might be able to help you find the way to work out that works best for your body.
As far as food and diet goes, the best advice I have gotten is to drink a lot of water, have a large breakfast, a medium-sized lunch and a very small dinner.
Then with exercise I believe I was told stretching/yoga and aerobics in the morning after your big breakfast and then some more stretching/yoga and your strength training and toning in the evening. If you have time for a quick afternoon jog or some quickie toning exercises then that would work just as well.
Maybe you aren't toning because you simply don't have much to tone. My husband is in the U.S. Air Force and blessed with one monster of a body [standing next to him in my state is honestly pretty shameful] and he tones up by working to gain
weight and then working out the new mass of weight into muscle.
I hope that helps. I know as a woman gaining weight just never ever sounds like a good idea, but I think you would feel a lot better if you were at a healthy weight and BMI and toned it all up into something flashy, rather than just continue to lose weight until you're just a frame of a being.
I wish you the best of luck in finding the you that makes you happy.