I've been having some pretty decent workouts lately. I finally bit the bullet and joined a gym even though I have to drive a ways to get there. I've been lifting weights for 45 minutes circuit style, then 20 minute run at 7 to 8 min/mile pace on the treadmill, break for small meal, and then between 40 minutes to an hour of swimming laps. Some days I also do around 20 minutes of calisthenics and core exercises at the house and a 20 minute run at a slower 9 to 10 minute pace.
I can't seem to shake the last bit of fat in my midsection. My arms, legs, back, shoulders are all showing definition. My top pair of abs are visible, my waist seems to be as slim as it can get, and from a side profile my stomach is completely flat. Yet between the top abs and my waist still looks soft.
I'm counting calories and I stay under budget (WAY under if you account for the exercise) despite a piece of pie or cake here and there

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I'm thinking about trying some sort of creatine supplement. Anyone know anything about it? Advantages or disadvantages? Does it really help build muscle noticeably faster? Are there any decent creatine supplements that wont cost me an arm and a leg?