What's an effective way for me to lose love handles and make my stomach less flabby?

Aerobic fitness: Despite what you may have read or been told, it's really not possible to "spot reduce". No exercise will cause you to lose weight selective from around the waist. Your best choice is to focus on a lot of cardio, and self-education about eating; this will cause your brain to normalize your appetite and getting trim will come naturally. Best wishes.