Looking over things, I think I'm actually going to follow your schedule...I'm sure it'll adapt over time to something more personal, but it's a great place to start I reckon? I'll add cardio after each gym session though I think...
Couple of questions though...do you go to a gym to workout? If so, what sort of exercises would
you recommend for those muscle groups? I know this stuff can be found online, but there are so many conflicting opinions (even looking at tesfanner's Bodybuilding.com resources) and, if I'm going to be following your schedule, I may as well start with your exercises?
This is only if you don't mind telling me by the way, and if you have to time to type it out...I don't mind if not

Warning: Long-Ass post.

I used to have a gym membership, but it expired. Turned out I already had what I needed at home anyway, so I never renewed the membership. It's definitely better at a gym though. Bear in mind however, that I've been doing what I have for almost 3 years now, so I've worked my way up to it. You'd want to go a little easier to start off.
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What you will need (the essentials):
-Dumbells of varying weights (to be exact, a set which is pretty so light you could curl them indefinitely, a set in which you can do 16 without getting tired, and a set in which you can manage 10. Undershooting is better than overshooting at your stage though, so you don't have to stick to as-high-as-possible just yet.) Powerblocks would be ideal, as you can switch the weight around.
- A bench. Preferably an adjustable one. (And ideally one that can be adjusted going down AND going up.)
- An exercise mat, or a simply a clean, clear opening in which you can lay spreadeagled without any obstruction whatsoever.
- A bar from which to hang off of. One that's high enough that you have to jump to reach it. (If you're tall, or the bar isn't THAT high, it's okay though.)
- Treadmill. (Or alternately a large track on which you can run for at least a kilometer or two.)
- A steady, solid, consistent, balanced, and sufficient diet.
- Guts. This isn't going to be easy. You better be determined. To help, I have a playlist of really inspiring songs (which I don't mind sharing if you want it), coupled with posters in my bedroom of films such as "The Expendables" and "300". (Or you can simply google pictures of bodybuilders, or other fit people if it helps. Sounds kinda gay, but it helps me. No, I am not gay. <_< )
What you should have (optional):
Casein protein supplements (just before sleeping.)
Whey protein supplements (post-workout.)
(These things you should probably add on after a while. Not just yet. They're necessary for that really ripped look though.)
Spoiler
Alright, here goes my exact routine, word for word. A note though, variation is key to loosing body fat and gaining muscle. You need to keep experimenting and swapping stuff around throughout. This will get you to a certain threshold, but beyond that you will have to find your own way. ALWAYS REMEMBER WARM UP BEFORE A WORK OUT AND STRETCH AFTERWORDS.
If there is anything you are unsure about, the way a certain exercise is performed, what weight to use, or how much you should do, PLEASE ask. Ask me if you want, but you should ask your personal trainer, or gym coach or whatever, as he would probably have a better idea of your capabilities. You can risk serious injury if something is done wrong. There is no shame in asking. We all started somewhere.
Also, a minute or so rest between sets. Treat the rest loosely though, it doesn't have to be on a timer, just do another set when it feels right. Don't overwork yourself or you'll burn out.
Monday:
Chest -
Bench-press 3 sets of 16.
Chest flyes 3 sets of 16.
Incline bench-press 3 sets of 16.
Incline chest flyes 3 sets of 16.
Push-ups 3 sets of 16. (These are different kind of pushups. Your legs have to be on a raised surface (like a chair) and your arms on the ground. First set is regular. Then in the second set, one hand should be a bit in front of the other one. Then in the third, the other hand should be in front. This shocks your muscles. That's a good thing.)
Abs -
http://www.youtube.com/user/JDCav24#p/u/20/kKs7sOX144I 3 sets. First one of 10, second of 12, third of 16.
Hanging leg raises 3 sets of 10.
http://www.sixpacknow.com/obliqueexercises.html 3 sets of 16 both sides.
Planks 1 minute each. (I already described planks to Veeno. See above.)
Tuesday:
Biceps:
Dumbell (or barbell) curls 5 sets of 16. (Use dumbells, as they incorporate the forearm which I do not otherwise work on. They are still pretty toned though.)
Preacher curls 5 sets of 16.
Triceps:
Overhead tricep extensions 5 sets of 16. (Heavy weight)
Dips 5 sets of 16.
Wednesday:
Shoulders (and traps):
Shoulder press 3 sets of 16.
Alternate Arnold press 3 sets of 16.
Lateral raises 3 sets of 16. (Use light weights.)
Front raises 3 sets of 16. (Light weights too.)
Dumbell Shrugs: 3 sets of 16. (Heavy weights.)
Thursday:
Back:
Dumbell rows 3 sets of 16.
Close grip pushups 3 sets of 16.
Pull-ups 3 sets of 16.
Legs:
Squats 3 sets of 16. (Leg press works too.)
Calf-raises 3 sets of 16.
Leg extentions 3 sets of 16.
Friday:
Cardio:
Over an hour of swimming. You could substitute that 30 minutes each of two different cardio exercises. The options are : jogging, swimming, elliptical machine, ski machine, biking...
Sat / Sun: Rest.
Once again, ask any questions you must, and feel free to mess around with this schedule to your liking and limits. Enjoy, good luck, and keep at it.

Edit: Remember that this isn't some sort of definitive list. It's just mine, and I'm not claiming that I'm the best ever. Things can be tweaked to your personal liking, and there are hundreds of other exercises. This is nowhere near a full list. I'm sure I must have missed out on a detail or two somewhere, and though I try not to, if there is something unexplained you would like to ask, please do so. Also feel free to PM me if you want to ask anything specific. Everyone, not only the OP.