(I have some serious fat still on my arms, stomach, and hips...more than 8 pounds anyway. )

(there is no use doing situps now if there's a bunch of fat covering them up)

Hi Erin

Please do not fret so much on body fat percentage instead,
I seriously reccomend exercise to help these areas, and you will find a big difference as you keep doing it. Alternate by one day doing aerobics and the next day doing weight bearing exercise. Just remember that muscle weighs more than fat, so you may not see much difference in weight loss on your scale but you will see a difference in your clothes size. I hope you're taking Calcium Magnesium with Vitamin D and Glucosamine Sulfate supplements. Building muscle for strength and to protect your bones, is essential for all of us. I realize that you are a young lady but taking these supplements will give you a head start now and for your advanced age.

I've been there, and I started doing exercises as soon as I started to do weight loss. At first I just did low impact aerobics, short walks and than increased the mileage as I went along, and also small weights and than increased them as well.

Hope this helps you.

Cindy