How to get rid of lower belly fat?

areyouladygo
I'm 5'2 and 108 pounds. I'm definitely not skinny, but my ribs are slightly showing, but my lower belly is potruding. Is it normal? Can I change it? Or that's just the way my body is? Is there any diet or exercise I can do to get rid of it? Or I'm just being too conscious?
How to get rid of lower belly fat?
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