Hi Peg
I was the proverbial apple shape as opposed to pear shape,since starting "the diet" i've lost considerable fat from around the middle also arms and like yourself have the flabby skin to prove it. I walk quite a lot + exercises for the problem areas and I have to say I'm having some success with tightening up, I am using exercises from the Monica Grenfell site
(uk) which I find easy enough to do but I agree with the other forumers that at our age (51) it will take time and patience so good luck to us all.