One, I'm assuming you're a guy so you won't have all those blechy hormones that dictate fat hips.
The big thing is do something every day. Mix up your exercise so you don't get bored doing one thing. If you have some free weights, those I think are an essential part of a weight loss program. You don't have to use them to look like Arnold Schwarzenegger but just doing some weight lifting will increase your basal metabolic rate so when you do cardio things (like your bike, walking or jogging e.g.), you'll burn more fat.
Honestly, I think it's more important to lose some weight for your health rather than focus on a '6-pack.' The guys that I think are handsome, don't have one.
