Hello Jaxx ...

That's a good, sound cardiovascular program you have. The thing that you need to know is that over time, your body will adapt to the level of work that you are placing on it, and that is when results will stop.

A good way to keep that from happening is to change something in the program to make it harder on your body. Ever few weeks or so, maybe add a little speed to a portion of your walk (homeI would think, since you don't want to get to work all sweaty and all ...)

Or, increase the time you are swimming. Go for a little longer every few weeks. Increase it by 2 minutes each week until you are going 30 mins or so.

Of course, I am also going to tell you to incorporate some form of reistance exercise. Push-ups, pull-ups, Crunches are all good and require no equipment (well, a bar for pull-ups). The exercise ball can be used for crunches, as well as a makeshift exercise bench. Add some dumbbells, and you can do chest presses, or kneel on it for one-arm rows.

The best thing abour just starting an exercise program is that you will see results rather quickly, and you will DEFINATELY feel a difference in your body.

Keep in touch, and feel free to ask any more questions ...