Your lower belly fat may also be a result of sedentary behaviors. If you aren't burning the calories you consume, the excess accumulates in your belly. Getting more active, such as working up to 150 minutes -- or longer -- of moderate-intensity cardiovascular activity per week helps. You'll also benefit from being active all day long with small movements such as fidgeting and pacing.
So the first step in getting rid of your belly fat is figuring out which of these four types you have. Once you’ve done that, you figure out how to get rid of it. However, before starting any diet and exercise regimen consult your doctor. Tell him or her what you plan to do (or ask for suggestions if you aren’t sure what to do) and ask if your plan is a safe one. Then get a complete physical so you have a baseline to track your progress.
The stress hormone cortisol can really screw with your belly. The problem with cortisol is two-fold: First, the chemical makeup of cortisol causes the body to store visceral fat. Visceral fat is stored between your main organs and in the midsection and is the most dangerous type of fat. Experts state that visceral fat increases the risk of diabetes and heart disease.