Originally Answered: how to lose weight safely?
I would see a doctor for professional tips so that you can lose as much weight as possible IN A SAFE AND HEALTHY WAY!
What I generally do to lose some weight:
-Eat 5, smaller meals throughout the day instead of 3 big meals.
-Stop drinking any sugar drinks (pop, lemonade, etc.).
-Drink lots of water (it helps suppress your appetite and increases your metabolism).
-Exercise! I'm not saying you need to go get a personal trainer, BowFlex, or LifeTime fitness membership. When you get bored/hungry, go talk a walk/run. Walking is great because it gives you time to think, increases your metabolism, and you don't have to change your clothes/shower when you do it.
Those are all easy ways to lose some weight. They don't cut into your life style to terribly but will definitely help you to lose weight.
As for areas that have more fat than others, lifting is the only way to tighten up those areas. Bench press will help you to tighten your chest while crunches and sit ups will help you tighten your stomach.
Check out this website. It reviews all the best weight loss programs, and has helped me to turn my life around, and actually start losing weight.