John is about to write "The fat burning zone is bullshit" and it is - sort of.
If all that matters is losing weight, then you want to work as hard as you can for as long as you can to burn the most calories, but that is exhausting and can turn you off to exercise all together - you just have to know yourself and your emotional limits. I can push till I drop now - but I couldn't until after a year out.
All that being said, it is true that if your heart rate is 108ish-120ish, you are burning primarily fat, but the number of calories you burn is pretty low in terms of time you spend. If I can burn 400 calories an hour when my heart rate is over 137, it will take me maybe two hours to burn 400 calories at 108.
If you get into the "cardio zone" - for me that is 127-147, you are still burning fat, but also now carbs. Your muscles store carbs as glycogen for energy and use that when the demands upon them are higher. This burns calories quicker but then you need to eat some carbs to replenish your muslce stores, or you're going to get fatigued. (So you need to replace some carbs within about 30 minutes of working out, in addition to re-hydrating) In the end, if you're burning more calories, you're losing more weight, but after GBP, how fast do you really need to lose it? It is sort of falling off for a while, no? It wasn't as important to me as getting into good shape, which is something else entirely.
So - what is a girl to do?
I chose to alternate between the two heart rate zones. I'd walk in the fat burning zone for a while then increase the resistance and get my heart rate up to 145 or so for a while, increasing the time as I got into better shape. This improves cardio function and increases the calories burned. Basically you do intervals as you are comfortable. You want to always do a little more - every two weeks or so check and see if you can go a little faster, or increase the resistance or incline but do it in a way that works for you. Don't overdo it but don't get bored either.
There are also ways to work on the anaerobic threshold, but I won't get too crazy here.
So push, but stay happy.
