What Do you Recommend For My Belly Flab? Non-Surgical Methods?

hi, i am 22, girl, unmarried. 148 lbs, 5'2'' height, i have a large lower belly flab? its quiet hanging, i cant see my panties, sitting or standing! I want to get rid of belly fat in non surgical ways, i.e. through exercises and diet

Yes, i plan to get pregnant in future, may be within an year or so. My belly hangs down in an arch shape, and is relatively thicker in the middle than at the sides.