The first factor to consider is that wanting to 'tone-up' is not a goal. What people usually want when they say "tone-up" is to achieve that lean and defined body type that you regularly see on the cover of most magazines. This means that you really have two goals; to reduce body fat and build a little muscle mass.
Bulking and Cutting
Your main approach to this goal should be to make those fundamental lifestyle changes that will get you 90% of the way towards your target physique, and we'll talk you through those steps in a moment.
Once you're in this position you can look to make targeted tweaks to your lifestyle in order to build more muscle or lose more fat, but doing both at the same time can be tricky for a beginner. A common approach in the fitness industry is to pursue each goal separately through alternating phases of bulking (building muscle) and cutting (burning fat).
Once you've achieved your targets you can then go into maintenance mode and adapt your lifestyle to support your new found body!
How the body looks at different body fat compositions is unique to each individual, but as a guide, if getting lean is your goal, for women this will mean a range of 16-20% body fat and males should target 10-14%.
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