Hi Hipps,
I won't claim expertise in training women (actually, I don't train men, either, although I write about it). But when it comes to losing fat off stubborn areas, I believe it's best to use the "afterburn."
That is, you have to train with enough intensity to keep burning calories for hours after you're finished.
One time Mike Mejia designed a program for a guy at MH who tended to accumulate fat around his hips and thighs. (Not a girly-man; the guy was big and athletic, but had that weird propensity to put on fat there.) He had him do a very tough lower-body workout, with high-rep sets of squats, lunges, step-ups and leg presses, then do intervals on a cardio machine (30 seconds all-out, then a minute easy, and repeating that 5 or 6 times).
In 8 weeks, the guy went from 22 percent body fat to 14 percent, IIRC. (I can't remember the exact starting number, but I do know he lost 1 percentage point a week.)
For your diet, remember 1 word: protein. Have a substantial portion of protein at every meal. And never EVER have a meal or snack that's all carbohydrates.
Drink plenty of water, stay away from junk food, and you should see the results you want.
Good luck!
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