Hi, I have lost a total of 65 lbs (over the past 15 months) and do not have saggy skin, and I am 41 yrs old, so no Spring chicken! I think the key is a slow and steady weight loss
and exercise. It sounds like you have made a great start with your changes in lifestyle, do you do any strength/resistance training? I think that has made the most difference to me in toning up any sag-prone areas.
Don't be afraid of weight-loss, it is the best gift you can give yourself for your long term health and self-esteem. Keep up the good work

.