Juliana, I replied on your women's board thread, but I'll copy it here:
You may already know this, but you can't target burn body fat. So it doesn't really matter WHERE you need to lose it, just lose it. This is going to be mostly diet.
Toning is what people that are afraid to get bulky call "growing muscles while losing fat so that you can see lines in my skin." Again, this is about diet.
Obviously, you wont see lines if there are no lines to see, so lifting weights (not the pink ones) is necessary.
Here's my old stand-by, IMMV:
Weights alternating heavy one week and moderate the next, for example:
Monday: legs
Tusday: back and rear delt
Wednesday: off
Thursday: Chest and tri's
Friday: shoulders and bis
Saturday: abs
On, for example Thursday, do shoulders light and bis heavy (start with the heavy) and then the next week shoulders heavy and bi's light. Heavy being about 90% of max and light being about 60% of max.
Cardio 5-7 days a week max (start with 3 non-training days) first thing in the morning, empty stomach, OR AFTER WEIGHTS. Moderate intensity, moderate speed, longer duration: walk up hill at 15% grade, 2.5 mph, for 60 min...point being, keep the heart rate between 135-140. I added a second cardio session in the evenings, 20-30 min, and straight protein after that, but only if one session and a clean diet aren't cutting it. At least two of my weekly sessions were HIIT Sprints on an eliptical or track.
My cutting diet looked like this:
http://home.swbell.net/arkaynen/cutting.htm
You would have to alter the times by when you train, and cycle the carbs 3 days low (.5g/kg body weight) and 2 days high (2.0g/kg body weight), or high on training days and low on non training days. The diet in the link represents the 100g CHO median.
1Kg = 2.2046 lbs