Should I lose stomach fat first or tone up?

Hi,

I have a photo for reference. https://m.imgur.com/D59S2xf

Sorry, had to cover up the tattoo because I don’t like it hahaha. But that is what my stomach currently looks like, if you can bypass the terrible red scribbling. I have had two friends tell me I should just focus on toning up my stomach rather than losing fat but to me my stomach looks like it could definitely lose fat.

What would you guys suggest? I’m really new to this whole thing; I want to start exercising and getting into the routine of it and eating good for my personal benefit and hopefully get a good self esteem but I really don’t know where to start off first, as cliche as it sounds.

I have skipping ropes, dumb-bells, kettle bells, bands and a 20kg barbell. Can’t afford gym though. Oh and my BMI says I’m overweight; 65 kilos and 5’3 (or 5’2)

Thank you!

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