I want to lose it quick help!

Okay so I'm typically considered normal weight for my height 5'4 125lbs and stuff but I have love handles and a pouch on my stomach kinda and I really want to look good in a bathing suit and I do a million sit ups but it never helps I just get muscle on top of fat but the love handles are still there anyone know how to help?
I want to lose it quick help!
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