When losing Body Fat it all comes down to diet. Yeah that's right no matter how much sit-ups, crunches etc you do you will never get ride of that body fat. Of course you will lose fat doing cardio, but after your body adapts you will lose only a certain amount of body fat. That's when diet comes in. Aim for 5-6 meals spaced evenly throughout the day with average calories divided by the meals. NEVER EAT BEFORE BED! That's right almost everything you eat after two hours before bed is stored as body fat. to find your average calories multiply your body weight by 18. to lose weight subtract about 500 calories from this amount. GOOD LUCK all the best.