I saw one of your earlier posts about balance being key. I work out pretty much 7 days a week but by working out I only mean cardio. Curves gym is where I get my weight training. The machines there use hydraulic resistance. I used to weight 285 (max weight I reached) and now I am 217 the bulk of which I have lost the past five months by counting calories and exercising.

I have been losing enough weight lately that I can see the difference/results but I need help turning the flab into mucle. I don't want to lift or do too much because I just want to be firm and look lean. I do not want to have bulging mucles. I mostly do cardio. My regimen in walk at least 3+ miles a day, swim occasionally, dance (at clubs but only dance, no drinking) latin music 2-4 times a week, and go to curves gym 2-4 times a week. I may also buy a bike and start bike riding again. Curves has definitely helped shape me and also give me strength. I do not like the typical gym so Curves has been the best in keeping me going to a gym environment. Anything I can do at home or on my own to down and build muscle? I would love to work wth a personal trainer to focus on my problem areas but can't afford one so I really need advice?

FYI:
Thighs are toning just fine. Easiest area so far.
Calves are thick and would like to slim that down because they are looking muscled but don't want them to stay thick.
Lower arms are not an issue but upper arms are flabby
Main problem areas are the upper arms, glutes, upper back (under the should blade) and stomach (all over. Abs, stomach and lower stomach paunch)