Most treadmills have a "quick start" button that gets it started. Then you can just adjust the speed and incline to your liking. There are also usually built-in programs like hills, cardio, and intervals. I personally don't use the built-in stuff, but some folks like them.
A 1% incline most closely simulates running outside, so I do most of my treadmill run at 1%.
Speed and elevation will vary by person. As a beginner you should probably just start with brisk walking. Then after a week or two start doing some walking/jogging, where you walk for 5 minutes and jog for 1 minute and repeat for a total of 30 minutes or so. Then increase the jogging time and decrease the walking time a little bit each week until you can jog for 30 minutes straight.
You said your goals were to get healthy and tone up. The treadmill work will help your cardiovascular fitness, but for overall fitness and to look toned you should also include some strength training. This can be weightlifting, weight machines, or bodyweight exercises, depending on what you like and what equipment is available to you.
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