How do I lose this lower ab fat?

I am a 21 y/o female and I have been working out for a little over a year.
I still have some jiggly belly fat and a buldge just underneath my belly button. How can I get rid of this or make it much smaller?
Asked May 10, 2017

TIP: If it's not your answer to this question, please click "Leave a Comment" button under the question to communicate with the question owner.