Hi Jasmine, like others have said sounds like your cardio, is being over done and your body is preparing to run a marathon, have to keep surprising the body and confuse it with workouts and cardio girl, to target the lower area yes swimming is the best for it, walking lunges, incline leg press with low weight hi rep, and hip thrusters to help tighten your ass and inner thigh area will help to in my opinion if you work a certain area that area is more likely to lose weight than the rest of your body but your whole body will lose weight too so lets say you incline leg press to target legs and glutes, that area will burn more fat that your arms or midsection ya kno, good luck and hope you reach your goal, and remember diet is key!!