Those are literally the only areas that truly bother me.

How do i get rid of arm pit fat and my muffin top?

Lose more weight. That is the only way to do it. As you keep losing it comes from all kinds of places. You can't spot reduce fat and anyone that tells you that you can is a liar. All you can do is build muscle under fat with target exercises and that is going to make you bigger.

I agree. I guess it will eventually disappear.

Swim laps and it will disappear

Get rid of the fat and replace it with muscle. For many skin has lost its elastic. So short of having it cut build muscle!!! Maybe Val muscles and triceps. I never knew so many push up variations