ohhhh girl...i hear ya. the best is just regular old cardio. you can't really target fat burning in any particular area.
but to build up muscle tone, you might want to go to a site like ivillage.com and check our their fitness section. or fitness magazine (i think it is fitnessmag.com) to look for some toning exercises for those areas.
and yes, walking is a great exercise for all-over fat burning because it's low-impact and keeps your metabolism humming steadily as long as you work it for more than 20 minutes.
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