Dont cut out all carbs, natural carbs found in fruit and veg are essential for your energy stores which will enable you to excercise more efficiently. Its saturated fat that is the enemy as it doest convert into energy but stores in fat deposists such as the "muffin top" area. I have done a bit of PT and been involved with the gym for years and it is the no.1 problem area for women. Sustained, regular excercise and a good diet including meat, fish, veg, salad, rice, fruit etc... But it may take years depending on your metabolism and physical make-up which will differ from person to person. In terms of excercise. Try 45mins of cardio daily, or at least 4 days a week. Alternate between running, swimming, rowing, cross-trainer, cycling and remember a good stretch before and after training. Light weights with high reps will tone, heavier weights will increase muscle mass and make you heavier on the scales! Sit ups and crunches daily, you will be able to do more and more as time goes on. Also squats and side crunches are great for toning the stomach and waist area.