DD, just drop the carbs, specially the refined ones. Physiologically, whenever we eat more carbs than be stored in our muscles and liver, which is about 400 grams in total, it just gets stored as fat! And, if you don't use that by exercising, it stays there but normally, we keep eating carbs every day, at every single meal, plus snacks and dessert, which also tend to be carbs based. Results? Fat gets accummulated on and on and on until one day we wake up and realize, oops... I've got love handles, pot belly, beer belly or anything of the sort.
Key is to adapt your carb intake to your activity level. You barely do anything physical? You barely need any carbs. Protein you need according to your weight, so it's an easy to calculate amount. The rest, to make up your required calorie intake for a particular day, should be met with good fats. Olive oil, coconut oil, butter and the sort. Believe me, for people over 30, it's the easiest way!
If you want to REALLY understand how and why our generation gets fatter than previous generations, read Gary Taubes' "Good Calories, Bad Calories" book.
One thing that I love, I get to have my bacon and eggs breakfast everyday and I'm still keeping fit, without doing any cardio whatsoever.
Hope this opens a something you can investigate a bit...
Just my 2 cents,
vivalavida