i WISH i had your "problem"!
add two or three 30-minute low- to moderate-intensity **fat-burning** workouts per week - not "cardio", since that improves muscular fitness mostly and does a bit of fat-burning on the side. walking, biking, whatever. that will deal with that little bitty tricycle tire remnant in short order.
other than that, don't forget that the majority of females kind of have to have a slight "paunch" because of certain anatomical structures with which we're equipped. i doubt you're willing to resort to a complete hysterectomy just to flatten a bit of tummy.... of course, i could be wrong...
