Cardio stresses me out. Gym woes.

Hey. I'm an 18 year old, 5'10, 160~ lb male, and I'm trying to lose weight and gain muscle. I've been lifting for the past couple of months and I'm starting to see improvements in the size of my arms. I really want to lose my belly fat and get toned abs, but the idea and the action of cardio stresses me out. I always manage to come up with mental reasons to stop doing my time on the treadmill or elliptical and succumb to the discomfort of cardio. I also have trouble getting the elbow rotation for curling dumbbells or barbells and feel like I might stagnate. Any tips are welcome, thanks in advance!