Here's the thing. Your body is a direct reflection of the kind of life you lead. If your body is not how you want it to be, then you need to change your lifestyle first. Your body is not something that you can control: it just assumes its shape according to how you treat it.
Weight is determined by three things in three rough percentages: 80% diet, 10% exercise, and 10% genetics.
Diet makes up the bulk of what you weigh, so start looking at your diet. You should not eat any form of sugar (table sugar, aspartame, molasses, syrup, etc). It has no nutritional value and is directly correlated with making you gain fat. Also avoid white carbs: pasta, bread, rice, cookies, etc. They have no nutrition and they also make you gain weight. The rest of your diet should be comprised of whole foods. For example, when you buy packaged foods, the ingredients list should have only a few ingredients and they should ALL be recognizable and easily pronounceable to you. Things like 'soy lecithin' and 'potassium sorbate' should not be on this list. Thus, it's easier to buy whole foods like apples and lettuce because they contain only one ingredient. If you want to lose weight, aim to cut out 500 calories from your day, but don't do it all through diet. If you just eat 500 calories less, you'll be miserable and not eat much at all. The 500 calorie goal is most achievable with exercise.
Exercise has two forms: aerobic (cardio) and strength training. You need a mixture of both to get the maximum calorie expenditure. Strength training builds muscle, and muscle takes a lot of calories to maintain. So by building muscles, your body will be burning calories while you aren't even doing anything. Don't be afraid of being bulky because women cannot be bulky due to hormones and their body structure. Strength train every other day in order to give your muscles rest in between. Examples of strength training include lifting weights, doing body-weight exercises like sit-ups, pilates, and the weight machines at the gym. Cardio exercises burn a lot of calories all at once, but you don't continue to burn calories after you're finished. You should do at least 30 minutes of cardio 6 out of 7 days. It can include brisk walking, swimming, cycling, dancing, etc. Just get your heart rate up and break a sweat. Since you mentioned that you don't have enough time, I recommend doing interval training or tabata training. It involves alternating levels of cardio intensity (low intensity (not sweating yet, but getting a little tired, like walking), moderate (breaking a sweat, like running/jogging) and high (all-out, like sprinting)) in a short amount of time and builds endurance and burns the most calories out of all exercises. It also involves a strength training circuit of exercises like push-ups and lunges. 10-30 minutes of interval training are sufficient, depending on your fitness level. And finally, have a rest day where you don't do anything. Sometimes you need a break, so give yourself a day off every week. If you'd like to find out more about each, just google them or you can PM me.
Finally, your genetics will control where you deposit and lose fat. Women tend to have fat on their hips and thighs, but sometimes there are those "apple" shapes that store fat on their tummy and arms. Men store fat around their tummy, usually. You can't lose fat in one area of your body by doing exercises. Exercise doesn't make you lose fat, it helps keep it off. Keep a clean diet, exercise in the routine that combines both strength training and cardio and you will drop a lot of weight. You need to keep up this routine forever though, otherwise you'll gain it all back. That's why it's a lifestyle change, and not a quick fix. Good luck on your quest smile
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1200 calories a day, 20 minutes of exercise.