What Causes Excess Fat Around The Arms, Thighs And Abdomen?

Hi I am a 28 year old mother of 4 kids and in the last 4 years I have lost over 100 pounds but I have a lot of excess skin around my arms. thighs, and most of all my stomach area. Also I have had a few stomach surgery's in the last couple of years. I am having issues with water weight gain and stomach bloating that makes me look like I am pregenant. What can I do for these issues I am having??