Nath

Hello!!!

The term 'tone up' confuses the hell out of me. Hopefully someone might come and explain this term further. I assume when someone says they wanna tone up, they mean they wanna build a little more muscle while losing a bit of body fat in order give a harder look - am I close to the mark??
If it were me, I would combine some good cardio work such as swimming, running, rowing, cycling etc with some resistance exercises, the standard compound movements squats, bench etc maybe some additional tricep work for the bingo wings lol.
Brisk walk or jog before breakfast will help shed fat. Circuit training would be great, its personal choice really, some people I guess don't like the idea of training in the gym enviroment or by themselves so some of these classes such as circuit training etc might be better.

I'm not sure how a females training would differ to that of a male, the only dif may be goals i suppose but a womans training with the goal to build a little muscle and lose fat would be very similar to a mans training with the same goals.

Remember, a little more muscle will mean more calories are burned while ur idle so i personally would def add some weight lifting in the routine.

Hope that helps a little, hang about and some of the sites more educated gurus may give u some more guidence.