congratulations Linny and pinup on your weight loss! you're both an inspiration. =)
as for the saggy skin, like pinup said, it might require a bit of surgery later on to get rid of it completely. a close friend of mine swears by a certain exercise she uses to help her sagging belly. it's a floor exercise that she calls reverse sit ups. she lifts her legs about five inches off of the floor, and slowly brings her legs upward. she does it quite a bit, and says her stomach feels tighter at the bottom...not so much the skin, but the muscles underneath. i've tried it myself, but i wasn't able to do very many before i got tired.
good luck! and have a blessed day...
Be happy. Be healthy. Be safe. Be sacred. Be abundant. Be love. Be peace.
Mini Goal: 250