If you want to know how to lose belly fat then listen up: cutting out carbs and forcing your body through endless HIIT workouts aren't the answer for shifting lbs from your midriff. In fact, there's no one formula to spot reduce a wobbly waist because several factors affect how to lose belly fat: mental well being, cortisol levels, hormones, nutrition, the intensity of your workouts all play a part.
Keep a calculator handy. To calculate your waist-to-hip ratio accurately, measure the narrowest point of your waist and the broadest part of your hip. Divide the values you obtained from the measurement and you have your ratio. The waist-to-hip ratio is a more accurate parameter to measure BMI. Those with a waist-to-hip ratio of 0.8 are susceptible to cardiovascular disease and stroke.
The upshot of all these chemicals floating around is big trouble for big-bellied guys. In a study at the University of Alabama at Birmingham, researchers took 137 men of all ages and sizes and used seven different measurements to determine their risks of cardiovascular disease. The single best sign of multiple heart-disease risks? No, it wasn't the guys' family histories or their cholesterol profiles. It was the amount of abdominal fat they carried.
While you may be tempted to eat as few calories as possible to lose weight more quickly, as mentioned above, it’s important that you don’t cut more than 1,000 calories from your daily diet or eat fewer than 1,200 calories a day — even if that means your energy deficit is smaller than 1,000 calories. Eat too little and you’ll slow down your metabolism and put yourself on track to regain the weight — often with a few extra pounds.
Reduce your stress through yoga or meditation. Stress triggers release of the hormone cortisol, and cortisol both reduces muscle mass and increases the accumulation of belly fat. You'll likely decrease your belly fat by engaging in meditation, because you'll lower your stress level. Doing guided meditations, mindfulness meditations, or yoga serve to decrease your stress levels.[9]
Beyond the occasional fidget, you can do simple things like taking the stairs and walking more to increase your overall daily calorie burn—no gym required. "Move as much as possible," says Cederquist. "Wearing a Fitbit or another type of activity tracker is helpful for people to realize just how little many of us move." Cederquist recommends hitting 10,000 steps a day every day for general health and well-being—no excuses. 
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"It’s easy to become impatient and frustrated when you’re trying to lose weight and haven’t seen the results yet. But be realistic – you won’t see the affect overnight. Your brain’s wiring plays a huge part in resisting changes in lifestyle, and it takes time to establish new habits – up to 12 weeks. Stick with it for at least eight weeks and you should notice a change."
While it’s often assumed that bread is off-limits when you’re trying to lose belly fat, the right bread may actually expedite the process. Switching to sprouted bread can help out carb-lovers eager to get their fix without going up a belt size, thanks to the inulin content of sprouted grains. The results of a study published in Nutrition & Metabolism reveal that found that pre-diabetic study subjects whose diets were supplemented with inulin shaved off more belly fat and total weight than those whose meal plans didn’t pack this healthy prebiotic fiber.
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