How to tone

I'm now 11 stone 3lb and my friends 12 stone an she looks so much smaller then me?!but i dnt see how as we are the same hight an im lighter! A couple years ago i lost about 4stone so i have alot of loose skin how can i get rid of this? Its on my belly arms and legs but my belly is the one i want to focus on more? Thank you!!:)

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