I have about 20 lbs that I would like to lose, and I've been working hard, but still haven't made much progress. I finally told dh that I need some sort of incentive to keep me trying. I'm thinking he'll throw out a trip to the bookstore or to the gourmet grocery store an hour and a half away. But nope - he says that he'll go ahead and get another 100
DVC points if I can lose the 20 lbs and keep it off for one month!

So, I'm thinking that's some pretty awesome incentive. Throw your best weight loss tips at me!! I do a fairly consistent job of walking on an incline treadmill almost every day, and I'll kick it up a notch on that. I think one of my areas where I run into trouble is the fact that I like to eat. I tend to be a snacker, too. I don't really do breakfast because I don't like cereal/pop tarts/anything semi-easy to fix. Let me know what's worked for you in the past - I'd really love to add some points on here!
1) Eat 5 times a day. Breakfast, lunch, mid afternoon snack, dinner, night time snack (but not after 8 PM). If you're a late dinner eater (7 PM-ish), switch that night time snack to a mid morning snack. Try to keep the snacks under 200 calories (and the closer to 100 calories you can manage, and still be full, the better).
2) Don't skip breakfast. If you don't like breakfast foods, eat something else (fruit, yogurt, egg whites, protein shake, ANYTHING). Breakfast jump starts your metabolism (and tells your body not to go into "starvation mode")...the longer your metabolism is in "hibernation" mode, the less it's working to burn calories. If you HAVE to skip a meal...skip lunch.
3) Avoid big meals and reduce your portion sizes, especially when it comes to your carb/starch (lean protein is good, though) when you do eat.
4) Take a dinner plate. 1/2 the plate should be filled with non-starchie (ie: potatoes don't count) veggies, 1/4 should be your proteinn, 1/4 should be your carb/starch. It's called "the plate method". Ignore any references to "oz" in it, though.
5) Everything in moderation. That includes things like chocolate (1 oz a day won't hurt) and ice cream (those bite sized "nibs" are a great craving buster). Because if you REALLY deprive yourself, you're just setting yourself up for a "binge".
6) It sounds stupid (and it can be much more difficult than it sounds) but get yourself on an "eating schedule". Eat breakfast at 8 AM, lunch at 11:30, snack at 2:30, dinner at 5, snack at 8....SOMETHING like that. Try to stick to it. You will condition both your body, and more importantly your mind, to stick to it.
7) Cut out calories where they're easiest: Don't drink them. Stick with water, tea (iced or hot) and coffee (black..if you can stomach it...and if you have to use sweetener, use something low cal). Stay away from soda (yes, even diet...there's good studies out there about brain chemistry and sugar replacement), sports drinks, booze of any sort, and anything you can that has calories in it, as much as you can. Fruit juices is OK, occasionally....but try to stick to 100% juice. Water (real water, not flavored water), especially, is your friend. Drink as much as you can....
8) Continue to excercise. Everyone's busy..but if you can manage 30 to 45 minutes, 5 days a week...it'll make a huge difference. Trying to lose weight by JUST dieting is ridiculously hard.
I was 300 lbs. Using the above, and working out 5 nights a week (between 45 min and an hour), I got down to 189, which was my "Playing weight" in high school, in about a year. I've put SOME (but not nearly all) of it back on, and am embarking (now that my knees have been repaired) to take it back off. I use the methods above. No fad diets. No magic bullet.
Edit: As has been suggested in other replies, read the labels. Stay away from LARGE amounts of fat, as much saturated fat as you can, and ALL trans fat. Fresh food is good. Processed food (generally) is bad. Fast food (almost entirely) is horrible. I'm one who simply hates counting calories, weighing my food, etc.....which, probably, explains the predicament I found myself in. I found it much easier to make rules and stick to them.
Don't be discouraged if you "fall off" the diet wagon. That's the thing that gets so many people.....they have a bad day, come home, and inhale a pint of Haagen Daz and are so distraught by what they've done to their diet, they just abandon it in frustration. You have to be both a demanding drill sergeant and a forgiving parent to yourself. Bust your rear end when it's time to do that, and be understanding when/if you have a tough day.