Just wondering what are some good exercises to do for the tummy area?

I know a lot of people have dropped weight drastically and where does the skin go? My problem area is my tummy and my inner legs. I do exercise everyday on my own at home and I also walk everyday for 45 minutes during my lunch break at work. Does anyone have any suggestions as to what I can do on my own at home? Can't afford to join a gym right now.

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