Thank you all so much for the encouragement -- I am really looking forward to it coming off the lower body so I can look more balanced. I am glad to find this is normal and I am not alone--

Just a matter of time---

Are you exercising? While spot exercising doesn't cause more fat to be burned in that area it certainly tones it more and builds muscle- which takes up less room than fat. So you lose inches faster. Maybe you are already doing this but still losing from upper body faster? I know that with exercise I lost inches in my waist,arms, thighs, faster than my hips and abdomen. My weight was pretty evenly distributed to start with. Now my waist inches lost are slowing down 1"/month and the weight is coming off my hips and abdomen 2"plus/month. Because of exercise and strength training the inches are still coming off my thighs and arms consistently.

The only exercising I am doing right now is walking -- I walk 2 miles 4-5 times a week and swim. Is there any exercises that you would recommed that would not involve going to a gym yet-- I am just not there until I lose more and feel more comfortable in that environment--

Thanks