T.R.
Hi K.!
I think there are a lot of great ideas in other responses for losing weight. I just wanted to give my two cents worth (maybe more like a dollar ;) ) I have three kids - a 6yr old, 4yr old and 3 month old. Working out has been a major part of my life before having kids, while pregnant and after having kids - running, weight lifting, etc. With the addition of each kid into our family and the changing of priorities, it has become more difficult to keep that up.
I think the best thing you can do is be honest with yourself in asking whether or not you want to commit to an exercise regimen. While part of my motivation to workout comes from wanting to be in shape (i.e. look good physically) - a major motivator for me is that I want to live a healthy lifestyle and set an example for my kids. It's possible to do that without committing to working out - you can be active with your child too. You need to figure out what works for you - do you want to incorporate working out into your life? Weight loss is all about creating a deficit between the amount of calories you consume vs. the amount you burn but don't forget to consider genetics as well. It might just be that your tummy area is your tough spot - which makes comparing yourself to others futile! I happen to be fortunate enough to have a stomach that seems to return to it's pre-pregnancy size rather quickly after giving birth. But my booty and thighs are MY tough areas. And some people don't have ANY tough areas and have high metabolisms without working out and can eat what they want (and whoever you are, you lucky women - you are the source of MUCH envy :) )
If you do decide to start a workout routine, do things that you enjoy - aerobics, running, whatever it maybe. I now look forward to running on my treadmill because it's one of the only times I get to watch tv now. And when I'm at the club on the eliptical, I actually get to read a book! These are true luxuries for anyone with small children (in my opinion anyways!). Whatever you decide to do - best of luck!