Well done on your weight loss so far! Trying to lose weight in particular problem areas is really hard isn't it, as you body more or less dictates to itself where fat will come off! All I can suggest is use specific exercise to target those particular areas, so things like walking, running or cycling are probably the best forms of exercise to help tone up in those areas; although it won't specifically make you lose weight in those areas. However, because you are following a sensible diet plus exercising, it will come off these areas eventually! I know you are still building up to actually getting out on the bike, but would you consider buying an exercise bike or treadmill in the meantime? I know some models can be really expensive, but not all are. Perhaps look in the FreeAds or eBay for items in your area, sometimes you can find a real bargain. That way at least you could increase your exercise routine in the privacy of your own home & also it means exercise isn't weather dependent! Just an idea anyway! xx