Hi Bonnie, I have a few tips to help you with on this one.
- Fat - loss: You cannot target reduce fat loss, meaning that no one exercise will help you lose fat only in a specific area, fat loss occurs as an overall process from the entire body.
- Exercise choice: sit-ups will strengthen your hip flexors and some of your abdominals, but will actually no nothing whatsoever for fat-loss, because they just aren't taxing enough on your body, and require relatively little energy to do and recover from, alternatively if you were to pick strength exercise for fat loss in addition to cardio I would choose harder, full body exercises, like squats, press-ups and chin ups, with weight added as you get stronger.
- Cardio: your body will adapt to your routine and get more efficient as doing the same routine, what this means, is that if you are always running the same distance at the same pace, it won't stimulate your body to get any fitter, and you wont see any new results, i.e. your body will stay the same. You need to push yourself harder in the cardio that you are doing, run, row or crosstrain at a faster pace, make sure you keep pushing yourself. A good alternative or addition to long steady cardio is circuit training, this challenge is ideal ---> http://tribesports.com/challenges/simple-month-long-fat-burning-circuit
- Lastly, fat loss is all about changing the current balance. If you are staying in the same shape, its because your calorie intake is equal to your calories burned. You need to shift the balance, push yourself harder whilst eating the same, or eat less whilst maintaining your energy output.
- Most importantly, any changes that you do make need to be sustainable, there is no point in crash dieting or going on a crazy new exercise routine that you can't keep up for more than a few weeks or you wont see long term results and change.
- Ideally, keep exercising, but push yourself a little bit harder when you do it, and make small sustainable changes to your diet, maybe cut down sweets to one day a week, or reduce your portion size ever so slightly every day.
Sorry for the overly long answer, hope this helps!