OK, no offense, but why do people feel the need to put such a common sense answer. You said you are working on losing weight already... so obviously you don't need us to tell you to lose weight. Different people's bodies are predispositioned to distribute weight evenly. This is especially so in women. While typically women gain weight in their butt and thighs first, some gain it specifically in the mid-section, while others gain it in their back or breasts. It seems that you know where it goes, so I would suggest exercising if you are not already, and try exercises that may target your problem area in addition to regular cardio. Also, certain foods are better for losing weight. Specifically, high protein diets are often helpful when trying to lose weight in the belly area. Also, check the amount of sleep you're getting. Stress and a lack of sleep cause the body to produce cortisol which stores fat in the mid-section. One way to reduce this is to get more sleep & exercise.