It's lovely out where I live today and to celebrate I've taken the afternoon off to enjoy the heat, but stay cool on a float with friends. The only thing I'm not looking forward to is putting on my bathing suit. I know that there is flab in places where I don't want flab, and it's only going to look more pronounced in a bikini top. Despite all the talk, I am guilty of waiting too long to tone up.

Since there's still loads of hot weather to come (at least I hope), I know that it's not too late to improve on the paunch at least a little before the last float of the season. I was pretty excited to come across this piece with exercises to tone your abs, arms and legs in a mere 20 minutes a day. I'm working two jobs right now, so it's tough to find time to fit in a really long work-out.

If you've found yourself in the same situation and are still determined to get into better shape sooner rather than later, give the work out a try. The exercises are fairly easy to do and require very little equipment, so it's not going to cost a fortune. Most importantly, the article reminds us all that the best way to get the most out of the work-out is to remember the basics like stretching beforehand, breathing throughout, having good posture and cooling down afterward.