My "wobbly bits" are my belly, thighs, chest and upper arms.
And, I love them.
Areas of fat are decided by your body, based on something I don't think we fully understand in the fitness world. Maintaining at least 11% body fat is considered healthy for women, but your body may decide that said 11% should be stored, say, in your thighs, and not in your bra. I've noticed that a lot of women keep it on their belly, which probably has something to do with having children.
However, to get rid of these kinds of areas you have to understand how the body uses fat. Fat is a very efficient way of storing energy, or "calories," and that's why we have it on our bodies. When we go into the "aerobic state" of exercise (usually about 20 minutes into a workout, when we suddenly feel less like we're struggling and it all works well) we are able to burn that fat. Fat can only be used by the body in the presence of oxygen, or the "aerobic state."
So, if you want to get rid of those tougher "wobbly bits," you need to work your whole body. Spot-toning doesn't work, because you're only working the muscle- the fat doesn't have much to do with which muscles you're using. So, you're going to have to work hard, work your whole body, and try to bring your body fat content lower.