Your first obstacle is wading through the onslaught of available weight loss programs and choose the one that you think is right for you.
Obviously, your first question will be 'which weight loss program works?' Each weight loss program that you encounter will claim that it is 'the one'. Unfortunately, that isn't always true. There are some pretty far fetched weight loss programs out there. Some are just plain rubbish, although harmless, while others are quite dangerous.
When you select a weight loss program, the first thing to keep in mind is that eating right and exercising is the key to losing weight - regardless of what the program is called or what it promises to do. If the program does not encourage these two things, you should probably steer clear of it.
The second thing to remember is that there really is no such thing as 'no effort' weight loss. There is no magic pill or magic food. Losing weight takes work, regardless of which program you choose. If this weren't true, everybody would be their ideal weight.
Finally, consider yourself, your preferences, and your life style. Some weight loss programs have really complex menus that just are not feasible when you live on a budget and have to feed three picky kids as well. The average person cannot afford to purchase two sets of groceries (one for you, and one for the kids and the spouse) or to cook two separate meals for the entire family. Sticking to a diet isn't easy, and temptations are already everywhere. Find a weight loss program that your spouse and kids can live with as well, if possible.
Remember that what works for your best friend or neighbor may not necessarily work for you, and this is generally based on whether you like the foods that are 'allowed' on the weight loss program, and whether or not you can stick with that list of allowed foods for the length of time that it takes to get the weight off. Furthermore, you must consider the foods that you will be able to eat once the weight has come off, in order to keep the weight off.
In the grand scheme of things, most weight loss programs that incorporate eating right with exercise work, if you stick with the program. Therefore, all you really need to do is pick the one that fits in with your preferences and lifestyle and get started.