Hello it's Jo Pride with a question

My stomach is sagging and I never had a flabby stomach maybe a pouch no stretch marks but the Lord has done something to me.I can’t afford a surgery. Is it possible to that sit-up can actually cure this sagging belly of mine?I would like to wear a bikini not this summer but for the next short shirts, low riders, tight clothes but the gut oooh!I can’t afford a gym. I’ve always hated stomach exercises so I never had a flat stomach. Any thing else I love but stomach workouts no. I feel I have to. Help!