If you haven't been doing much strength training, that can really help. Try joining the January Jumpstart Challenge. www.sparkpeople.com/myspark/challenge_deta
It's okay that January has come and gone!
When I started doing this Challenge, the exercises were kind of hard for me. I was able to work at my own level, and I noticed that as I kept at it, they were getting easier and I was getting stronger. I have continued doing one of these short sessions (7-12 minutes usually) about 4 days per week, and I try to use the machines at the gym once or twice a week. It's made a difference for me. Having toned muscle underneath the skin helps with the flabbiness issue. And it feels great to notice some firmness and definition in my once-flabby muscles!
Good luck! Hope this helps!