Before investing in the treadmill, I would suggest reading up on cardio and weight loss. A lot of people seem to find that a lot of cardio, while burning calories, also increases your appetite. Also your body can adapt to the additional workload by trying to conserve calories. It's counterintuitive, but it may not be your best bet if your goal is just pure reduction of fat. Short term it's a great way to kickstart a diet program, but longer term you may want to look more at high intensity interval training.
I've been doing really well with a 25lb kettle bell, doing a basic two handed kettlebell swing, which works your entire core in a much more demanding way. I only do about 15-20 minutes a day of exercise, and probably half of that is down time between sets.
Another thing I've done that's really helpful for sticking with my plan is doing 6 days a week of strict diet, and one day a week of at least one meal (sometimes two) of whatever I want. Today's a cheat day, so I had a strict breakfast and lunch (eggs, vegetables). But since I came home I had a lot of dried pears, way too many cookies, and I plan on having some homemade bread with dinner. (Normally I do no bread or wheat, no sugar).
On the coffee, if you make "bulletproof coffee" it will be higher fat but lower calories than your normal sweetener, and you can use cinnamon and vanilla extract for flavoring. I had to wean my self off the flavored creamers this summer, so I feel for you. It was a rough transition. One other thing that helped was using a cheap thrift shop french press, so the process of making coffee feels more like a ritual and the taste is richer. Once it's bulletproofed, it feels rich as if I'd added cream. If you start making it yourself, keep track of how much you save by not buying at starbucks, and use that to treat yourself to a new pair of slacks or jeans when you hit each little weight loss goal.
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