How do I lose the fat?

gahorse
Does anybody have any suggestions on what really works ! for losing belly fat. I am a single mom with 2 kids, I have lost 35 lbs since last summer, I am now 140 lbs, and 5'3". I am happy with everything except the little fat pockets around my belly and hips, but no matter how much exercise I do, and I do a lot.I just can't shape up. I will not get out in public in a swim suit with my little fat roll hanging over the edge of my bikini bottoms.I walk a lot, do crunches, hip hop abs, I just can't tone it up ! Anybody have any ideas ?
How do I lose the fat?
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