I really have tended to stay away from a lot of weight loss or fat burner products on the the market as I just don't have the cash to experiment with.
I have probably the lowest metabolism rate on earth I sometimes think. I have been struggling with losing about 70 pounds that I gained in the 90's during a bout with some depression and the related drug therapies, which cause weight gain.
What has worked for me over time is watching what I eat and ramping up my metabolism by exercising. You can focus your exercises to target specific body areas more than others, which will help to strength and tone muscles in that area. There really is no such thing as targeting an area for weight loss, our bodies lose weight all over our bodies gradually.
I am losing weight, but its a slow process for the lasting weight loss. Any quick losses usually come back over time, but the fat I've lost slowly with gradual life style changes has stayed off.
When exercising, target large muscle groups and then work in smaller muscle groups, but remember that your body works as a whole and all muscles are used when you work-out, just some more than others at times.
Think of opposing muscle exercises as well. In other words, not only can you work your abs by doing crunches, but also strengthening your back requires your abs to get stronger too. Stronger means tighter, longer and leaner which helps to work out the paunch.
Work-out at least 30 minutes every day, alternate each day with different routines. I'd suggest working with free-weights one day and then switching to pure aerobics the next day and back and forth. Watch your breathing, just deeper breathing helps to strengthen your abs.
Most importantly, give yourself some time. Give yourself a couple months or more of solid work at this with diet and exercise until you start looking for big results. I think the biggest struggle I have had over the years is getting discouraged and giving up simply because my expectations were too high and my patience too short. I'm wiser now and having better results and having an easier time integrating changes into a lifestyle pattern.
Go online and look up "abdominal exercises" and also maybe join a local gym and get a personal trainer to learn the proper form (which is vitally important) for using free weights and body building machines.
Most importantly, contrary to most women's belief, working out with weights will not turn you into a hulk. Our bodies are engineered to not get that they, no matter how hard we work out. I know this also as I used to weight train long ago as a serious sport and I wanted to bulk up -- but it takes real concentrated effort and extreme diet, hours of working out each day to get a muscular look. Its an old social myth that too many women believe.
Work out, eat well, be patient and you'll see results.