Toning is good. Unfortunately, genetics plays a role in things. Fat collects in different areas on different people. Aging also has an impact from the standpoint of skin not being as elastic and therefore sagging a little.
The only sure way is to reduce your body fat while also trying to tone. Set of 15-20 reps work well. If you are female - and it sounds liek you are - you don't need to worry about "bulking up." that just won't happen. My 110 lbs, 5'4" wife could swuat 225 lbs 10 times several years ago and never bulked up. that, too, is genetics and drugs.
Good luck! Try some Yoga,
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