You can't spot reduce, so general diet and exercise will do the trick. Hit the cardio and reduce the carbs a bit (nothing extreme like Fatkins or anything).
I am seeing very good results with this years exercise regiment. I pretty much give up and hibernate during the Winter but since Spring is upon us I am back to exercise. I lost quite a bit of NBP length during the winter months but over the past 6 weeks I am dropping weight and building muscle. I am now at about 185 lbs Anyway, for the fat pad I am doing an exercise that really isolated this area. I lay on the floor and put my legs straight up being sure my ass and small of my back are also off the ground. Once in this position, using my hands to stabilize my balance on either side of my body, I thrust my legs higher, toward the ceiling and come back down being sure my ass never hits the ground. It is kind of awkward at first but you will catch on quick. I do 4 sets of 20 and after the workout my lower abs are on fire.
Well I hardly have any fat pad, but there's a little extra there. What has been helping besides setups and crunches ( don't really think they target the lower [words=http://www.phallosan.com/shop/catalog/default.php?z=eNortjIxtVKyL0pNszWxMFcrSSxKTy2JL0hMT7U1UisoykyxtbBQSy4tLsnPjS8uKcrMS7dVsgZcMMpbEbo%2C]ads[/words] too much) is laying on the ground with my hands under my butt and doing leg lifts. Raise legs fast and lower them slowly. This gets good isolation on the fat pad area and I noticed results after a week. Toning up there a lot faster than my belly. I'm running when I can to take care of the rest and eating less. No breakfast, and dinner around 6 P.M.
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