It is impossible to target fat losses in a specific area of your body. When you lose fat you lose it everywhere, to different extents in different areas. To lose fat in your lower stomach, you'll need to employ a strategy of diet and exercise that boosts your metabolism and promotes fat-burning. Then, you can spot-build muscle in your lower stomach to tone the area.
Lie on a 65cm fitness ball with the small of your back supported by the ball and with your feet planted firmly on the floor.
Place your hands behind your head.
Exhale as you squeeze your abs and lift your upper body up from the ball. Do two to four sets of eight of these abdominal crunches.
Lie down on the floor and cup the fitness ball to your thighs by placing your calves on top of the ball. Your knees should be at a 90-degree angle.
Outstretch your arms to your sides and make certain that your back is position firmly on the floor.
Rotate the ball to the left, then back to the right by turning your body from one side to the next as you keep your back stationary. Do two to four sets of eight of these hip rolls.