I think it's important that you distinguish between actually being fat and maybe not being toned in areas that you'd like to be toned in. Being 5'2" and 95 pounds is NOT fat. If you think your stomach and legs are more soft than you'd like them to be, try some simple exercises like crunches and weights to help you tone them. For your legs, you DON'T have to do anything strenuous. Try walking! Best of luck!
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♥ Don't Worry....Be Happy! ♥