I'm sorry but you can't spot reduce. The love handles and lower tummy will only go with cardio and diet. You should do abdominal and lower back exercises for core stability, but they won't flatten your tummy.

I don't know enough about your diet to give you any advice but it sounds like a pretty common asian diet. Try to eat something for breakfast. Try to keep the fat intake down. I don't like drastic changes to diet. I think it does more harm than good. Better just to gradually adjust what you do normally and see how your body responds.

Good luck with your training.

welcome to ology
melbourne has some good points;adding in breakfast and reducing the simple carbs/fast food will definitely show a reduction in bodyfat. also, by adding in some cardio and weights you will see dramatic results. good luck!
~KITTY

welcome to ology .