To get rid of this I suggest you speed up your metabolism and also flush out the toxins in your body. A lot of the flab remaining (like love handles) is actually a build up of toxins.
So there are many detox and cleanse programs out there.
But you can just simply start by drinking a lot more water. Don't go mad as this can be dangerous, but make sure you drink a consistent amount spread throughout the day. Many people forget to drink water and how important it is.
When you wake up in the morning drink 2 pints of water instead of drinking the coffee. Or do both. But people are tired in the morning because they have been so dehydrated after losing water during sleep for so many hours.
So water in the morning hydrates the body and also washes/flushes out the system whilst it is empty.
Then instead of 3 big meals per day. Split them up into 6 smaller meals. So if you cook dinner, halve the amount. Eat half after you cook it, then be disciplined and eat the next half an hour later. The same for breakfast and lunch. Or make smaller meals and fill up before hand on salad. Also eat fruit, but make sure not to mix fruit with other foods. The chemical reaction is not good apparently.
Instead of going for an hour or 2 hour session in the gym, try to break the sessions down into smaller chunks that spread over 6/7 days.
So I go for a 10 minute run/sprint around the block every day.
All the above will increase your energy and will speed up your metabolism and will control and burn the fats.
My current diet regime and philosophy....
Eat a healthy diet. A tuna salad takes less energy to digest than a steak.
Have more energy, eat right. Drink more water. Water increases energy, flushes toxins and controls metabolism to help lose weight. 10-20 minute run/sprint every day.
Check out this workout I found to help me lose weight recommended by Dr Oz. Anyone joining me let me know. http://www.squidoo.com/does-insanity-really-work