I’m not fat or overweight at all but I have an annoying amount of “blubber” on my hips and lower stomache (right under my belly button). I’ve tried different excersizes but they just work on my upper abdomen. I would love any and all advice. 
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i have that too. i just asked a question about this. and people were saying that 100 sit ups in the moring and 100 sit ups at night help.
also search on google “get rid of love handles” i think its the firts result.. it really helped.
AHHHH LOVE BRONCOS!!!!!!!!!!!!!!!! ok anyway, running helps everything, and it would also help u with that, and i think crunches would help too. jogging in place instead of laying on the couch is a great way to get rid of it too. good luck!
Try reverse crunches and that bicycling thing where you are laying on the floor. Do it slow and steady otherwise you are wasting your time. While lying on the floor, lift your legs and hold them up for a few secs. That is a hard area to get. So keep trying and Good luck.
Cardio, Cardio, and more Cardio. Along with cardio watch your diet and you can try these abdominal exercises:
Side Bends (without weights because weights = build muscle)
Lower back extensions
Sit-ups with twists
Standing Trunk Twists
Leg Raises (hanging or on roman chair)