I'm 15. I'm 120 pounds around 5'2. I don't have much body fat, but I'm thick. Not fat thick, just thick. I do have some fat just above my waist an underneath my belly button. I was wondering what I should do to get rid of that for the beach. I've only got a little over a month to do it.
The best thing you can do is sit ups and crunches.
Start off with just a few and then slowly increase the amount you do. You'll have that area flat in no time.
You can also do Zumba or yoga. Most gyms and YMCAs usually have classes for these that you can do. Both target the stomach area.
It's probably just skin. I suggest you tone your stomach by doing stomach exercises like crunches.
Eat healthy and do more exercise.