How to effectively lose overall body fat?

Hi,

I need some advice about how to effectively tone and decrease overall body fat. Some info on me:

I am a 5 foot one 1 inch tall female. I’m 27 years old and have a petite frame and bone structure. 4 years ago, I ballooned to 132 pounds due to poor eating habits and a slowing metabolism. Throughout the last few years, I have lost the 32 pounds and now weight about 100 pounds. Now, I am trying to tone overall and lose as much body fat as possible. I am pear shaped so therefore, I carry more weight on my hips and thighs (though none on my butt). So, I’ve never had a gut due to the pear shape. I have a 25.5 inch waist and a 32 in inch hip measurement. Based on my BMI calculation, it is currently at 18.2 which puts me at low/moderate risk for heart disease and cholesterol. I am NOT attempting to lose any weight. I simply want to get toned and try to decrease my BMI to below 18.

My workouts:

Running for 40 minutes 5 days a week

Stair Master for 20 minutes 5 days a week

Planks 3 days a week

5 pound free weights for arms 5 days a week

Eating Habits:

I eat mostly whole grains and lean proteins

Try to eat a ton of veggies

I do cheat and eat something bad on occassion

Now, here’s my issue: Are my workouts consistent to what I am trying to achieve? I want to tone, decrease BMI and gain more muscle. Should I decrease the cardio and add in more strength training? Am I running too much? I don’t want to burn the muscle that I’ve gained in the past month or so.

Also, I would like some real help and honest answers. I don’t have any body image issues. I’m simply trying to get a better perspective and see if I’m working out properly.

Thank you.