Thick or fat ?

nancy • Wife and mommy of 2 kids❤❤
I'm 5'4 and I'm 195 lb I gained 20+ pounds in in the past year and a half I really want to lose weight before I get pregnant I don't want to add more pounds my weight. my husband tells me I'm fine he calls me thick but I say I'm a little fat. Suggestions on how to lose the weight around my belly hips?