Check out body for life. If you follow the exercise plan you can really tone up, build lean mass, and get a sleek look. Throw out your scale as you ar elikely to gain muscle mass and wills tay the same weight or even go up a bit while losing fat.

For diet. Get rid of all junk foods. I don't think you need to do a full induction unless you have sever cravings. Atkins for life suggests when you just have a few pounds to lose to cut back to 60g carbs a day to start.

Eat whole natural foods. No bars, SF candies, processed foods and so on. Instead have eggs, meat tons and tons of veggies, and fats.

For ab fat start doing Pilates. You will be amazed at the difference in strength after a week or so. Also check out Ab Boot Camp in conjunction with body for life. It is an intense program you would do 3 times a week after your cardio to really strngthen and tone the abs. There is information about it in the BFL forums on here.