To lose fat:
1) Cardio (around 30 minutes a day)
2) Eat less than usual
3) Move more
4) Avoid sugars and microwavable foods (probably the hardest for most people including myself)
5) Drink only water but REGULAR coffee is still fine (not the crappachino shit from Starbucks)
6) Go to the gym and lift weights but don't exert yourself as you probably aren't a bodybuilder (this will get you toned as being skinny is almost as ugly as being obese)
It's going to be hard for the first two weeks but after that this regimen becomes a habit and you'll look forward to it, especially after seeing the initial fat loss.