Getting rid of the pregnant belly...

I am having so much trouble getting rid of the gut from my last pregnancy. I have been eating healthy and exercising every day and have even tried the waist thing that's supposed to help but I just cant seem to get rid of this gut that makes me look like I'm 3 months pregnant. This is really bothering me as my favorite time of year is coming up; Summer. I love going to the beach and to be honest I would be embarrassed to go looking as I do right now. The worst part is that I cannot seem to find an affordable bathing suit that would cover this gut up. There are either skimpy bikinis, old lady one pieces that look like they have floral skirts attached, or they are over 200 dollars and lets face it none of those options will work for me right now. I will try almost anything within reason at this point. My husband has me doing 50 sit ups and 50 crunches every day but it doesn't seem to be doing anything...any suggestions? because I have completely run out of ideas.