You really do just have to stick with it and have faith. As you get fitter, you generally start working out longer or more intensely, so the workouts have more of an effect. When I first started this, I was just walking a few times a week, so it took a while to see an effect. Also, I had so much fat covering everything, I knew it would be a while before I could uncover any muscle tone. I still have lots of flab, but as my workouts have gotten harder and more frequent, I see changes more quickly. I've always noticed changes in my legs first, especially now because of my running. My legs have completely changed.
And yes, the collarbone thing is so nice! Also, I can't really SEE a hipbone (I don't think I would want to be thin enough to see that, really), but I can feel it. I touch it all the time because I can't believe I've found it! I remember when I was a very skinny kid it used to hurt to lie on my stomach because my hipbones stuck out so much...but I haven't been aware of their presence since, until now!