Lower belly fat is often referred to as "stubborn" fat. The reason it is stubborn is because it cannot be eliminated by doing one single exercise over and over. That is called spot reduction, which is a myth. The true way to slim down your lower belly is to do lower ab exercises combined with calorie-burning exercise. This way you can burn fat, build muscle and improve definition in one fell swoop.
Cardio
Running, inline skating, cycling, kickboxing, stair-climbing and walking are all forms of cardiovascular exercise. They all burn calories, increase aerobic capacity and reduce fat throughout your whole body. Perform any type of cardio at a moderate intensity for 45 to 60 minutes, four to five days a week to reduce the fat in your lower belly.
Flutter Kicks
Flutter kicks work your lower abs and obliques, and they are done from a face-up position on the floor. Place your arms by your sides and lift your legs six inches high. This is your starting point. Steadily raise your right leg two to three feet higher, and lower it down as you simultaneously lift your left leg. Alternate your legs up and down in a steady, scissor-like motion for 15 to 20 repetitions. If you feel discomfort in your lower back, place your hands under your tailbone.
Rollouts
Rollouts work your lower and upper abs with the use of a barbell that has a weight plate on each side. Kneel on the floor with the barbell in front of you with your hands shoulder-width apart and your back straight. Slowly roll the bar forward as you lower your hips toward the floor. When doing this, extend your arms out in front of you, and maintain a straight back by contracting your abs. Once your chest is about 12 inches from the floor, reverse the motion to get back to the starting point, and repeat 15 to 20 times.
Abdominal Pull-ins
Abdominal pull-ins work your lower and upper abs, and they are done with a weight bench. Sit on the end of the bench with your legs elevated straight in front of you and hands grasping the edges of the bench behind your body. In a steady motion, pull your knees into your chest and squeeze your abs forcefully. Slowly extend your legs back out, and repeat for 15 to 20 repetitions.
Pikes
Pikes, or V-ups, work your lower and upper abs, and they are done from a face-up position on the floor. Extend your arms behind your head and straighten your legs. In a steady motion, lift your arms and legs off the floor, balance on your butt, and try to touch your toes. Your body should be in a "V" shape at this point. After squeezing your abs forcefully, lower yourself down, and repeat 15 to 20 times.



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