@muskate has given you some very good advice in terms of exercising, but there is also one thing you have to keep in mind when trying to change something in your body - it is your body constitution. All of us we have a certain type of body composition. For the ladies, these are the rectangle, sand watch, pear, and apple. As you can imagine by those names, these are the generalistic shapes of the body, and consequently, the show where you are more prone to get fat, and they also show the parts of the body that will be easier to modify.
All in all, you will get the best results by both following @muskate's suggestions, and by paying attention to yourself, and understanding your body.