Everyone knows the principles of losing weight, even if you find them too difficult to put into practice. It is no rocket science; to reduce those stubborn flaps you need to do three basic things:
1) Motivate yourself, perhaps with a trainer
2) Stick to a healthy diet (and perhaps save some dollars in the process)
3) Exercise, exercise, exercise. Done? Do it again. And then again.
You might not be able to do all three at the same time. Start small. Choose one target, and then take one day at a time. When it doesn’t felt like too much work, then start another one.