Not a woman, but id cut out the creatine. It can bloat you out. My wife is in similar situatation but you are far younger. If you want to lean out and loose weight, then what my wifes trainer is saying is to use your body to do the weight training and not the machines, especially the hip abductor or inner/outer thigh machines, becuse if you are predisposed to getting larger in those areas it is better to do stretching excercises for legs and upper body and using like a flat bench for arms, back etc. and dont forget the abs. You can use dumbells for lunges tho. Then keep up the cardio, but the diet is key in you loosing your weight. If you are eating as much in cals as you are expending you will most likely see no dif. You have to basically go on a cal restricted diet that also implements low sodium, no trans/sat fats, but alittle of the good ones, eliminate or reduce oils, no sugars. Fish, chicken, yams, veggies, lean meats, egg whites, some dairy, are all good, but you need to watch your portions. If your metabolisim is slow you might want to have a dr do some testing on your thyroid, like t-3, and t-4 and tsh, also maybe a glucose fasting test just to make sure everthing is normal.