I have 4 years of university education - BSc Sport & Exercise Sciences, MSc Health & Exercise Sciences and the same as a certified group fitness leader (aerobics instructor with a posh name
I have always specialised in groups with problems, weight, very low levels of fitness, back pain or other medical problems. Currently I am trying to rally my town's larger ladies to try out my "Baggy T-shirt" classes - a slow task but mine own!
I hope that you find the one piece of info that makes sense to you personally. That's all it will take for you to begin to get rud of the tummy bulge. It's OK for me and others to say "Oh, you just need to..." but I know that it is harder to do than say (or type). But please be reassured that it can be done with a good balanced aerobic and resistance workout - if that fails CHEAT! Get down as far as you can and then get the last of the extra bits removed.
Some people never lose that last bit and in these cases surgery isn't cheating, it is the ONLY way to get rid of the tummy rolls. Here in the UK people who have lost a significant amount of weight and find they can't get rid of the skin(!?) can have it removed on the NHS!
But hopefully you won't have to go that far! Just keep on doing what you are probably already doing - watch the food balance, keep up a good exercise programme and ENJOY!