Hiya
I too have the same worries as you, I'm 32 have ruined my body after having my son just before I was 17!! so since then I have yo-yoed with my weight hence a berry horrible saggy tummy and i also had bingo wings!! These got worse when I did lighterlife last year well anyway I have found an exercise that's helps brilliantly with the bingo wings infact mine have just about gone I purchased the EA active more workouts for the nintendo wii and I do the sparring/boxing for an hour about 4 or 5 times a week it also works on your stomach but that's taking a while at the mo to shrink!!
Other than this I'm sorry I can't be more help
lisa xx