So confused and unmotivated =(

So, you are at a ok weight, so weight loss should not be your goal. Eat at your maintenance, and incorporate a resistance weight routine. Google weight training/resistance weight training/body weight and see what you can do with what you have. Push ups, sit ups, lunges, squats, burpees, etc....

I have definitely been where you are, and can see where you are coming from in terms of the confusion.
Diet is one of the most important parts of a weight loss program. Altering you diet can help you lose weight without much exercise (up until a point, of course). Cardio is super important to maintaining you weight, but it is not the only thing you need to really maintain a good figure. I lost the majority of my weight via treadmill and elliptical machine. Unfortunately, the cardio left me with a lot of loose skin and a rather bad figure, which is why I have moved onto more strength training in order to improve that.
You sound as if you are at a good weight at the moment, so toning should be your main focus. The time you put into exercising, does, for the most part, effect when you start seeing results. Though it is different for everyone, you do not need to exercise 5 days a week. For example, every other day works for me, because I really do not have the time (nor the energy, sadly) to work out for days and day on end in the space of a week (I go to university).
Weight lifting is definitely going to help you with the toning, but like you said, money is a bit of a problem when it comes to gyms, etc. One suggestion is to buy some cheap weights (dumbbells, ect) (preferably not really heavy ones) from some place like Walmart. There are a ton of workout videos on Youtube that can aid you in getting active with a few simple weights. Or as some else already suggested, start off with some non-weight exercises like push ups, sit ups, anything that gives your body resistance.
All in all, tone down the cardio (every other to every two days), include some weight training (every other day) that works on various parts of the body, and maintain a healthy diet. Weight loss is a very very confusing thing at times, because every individual is different, so certain things that work for some, don't work for others, etc, etc. Usually the basic stuff will work for just about everyone. The most important thing is to stay motivated. I know that is hard..... lol.... but I guarantee you that the effort you put into it will give you results - it just takes time!!! Stick to it and don't give up! ^_^!