Well there is a mixture of things you should be doing. Here are a some to aid you in looking your best!
1. Interval training
Interval training causes more belly fat loss than slow cardio. when you do Interval training, EPOC occurs in the body after intense exercise which drains muscles of their inbuilt energy source. This has to be replenished in the body, and it can take up to 48 hours to happen. During this time your body has no alternative but to draw and burn up your fat reserves. So for the next two days while you sit at work, watch TV or have that peaceful nap, your blood cells are rushing around that belly or those thighs, grabbing as much of the fat as it can and taking it away to use it as energy, without you having to do much.
Cut all the processed carbohydrates from your diet. 1 cheat reward meal per week (not an entire day, just one meal). Give up breakfast cereals, and replace it with fruits, vegetables, and nuts. Losing your love handles isn’t going to happen if you insist on treating yourself to sodas, Starbucks, ice cream, and an entire pizza everyday. It means eating meals of lean protein, fiber-rich vegetables, and snacking on apples and nuts between meals. Try replacing a meal or snack with Shakeology for a sweet but natural treat.
3. Too much cardio with no interval training. It's not going to work as well as interval training. So just running without doing intervals or just biking without doing intervals will not work as well, as doing bursts of 110% for a min, then regular speed for a little. That is why High Intensity Interval Training is so popular, Turbofire, Insanity, Les Mills Combat they all use HIIT methods to see results. It's better to use intervals and weight training to gain muscle and lose fat at the same time. You will see a difference in your body quicker that way! See #1
4. Remove classic ab exercises like crunches, twists, etc, and replacing them with interval training, which has ab exercises built into them (TurboFire , Insanity and Les Mills Combat are great choices), that way you are not just building muscle under the fat, you are burning the fat while you are building the muscle!
5. Exercise is really not the main barrier…it is diet. STOP CHEATING! You have to have discipline if you want advanced results. You cannot out exercise your diet. See #2
Look at some past posts for some good work outs.
Have a very fit day!!