first of all remember that Fat is not burned locally. Situps and crunchers will tone the muscle, but not burn the fat. If you want to burn the fat Moderate Cardio is the way to go. Also make sure you don't make the same mistake that alot of women make by not eating. YOu must eat at least 6 small meals per day. Keep your protien intake high and your fats and carbs low. An easy way I have found of doing this is Kroger's Carb Master Yogarts ( 6 ounces, 12 grams protien, 80 calories, 39 cents ). They provide a quick economical tasty way to increase your meal frequency while keeping calories down. ( I go through about 20 of these each day ) Remember to achieve the body you are wanting it will take many months, not days. Don't be discouraged if you dont' get the immediate results you are looking for. If you are pretty toned every where else but still have the spare tire, surgery might be more logical. Liposuction will cost roughly 4k-5k to do take care of the sparetire. If you have alot of skin from the previous weight gain, then a tummytuck might be better suited, but they cost much more. If you don't have very much muscle mass, I would recommend putting on some muscle first, as the more muscle you have the more calories it will burn when you are both working out and resting.