Stubborn fat is.....well stubborn, and usually last to go. There are wonderful things such as hormones, blood flow and receptor issues to worry about.
I've found IF a couple times a week very helpful in reducing stubborn fat when all else is dialed in around (workouts, eating patterns, etc). Many different roads to getting rid of the belly fat (I'm assuming you are talking more about lower and "love handles" areas).
The key is doing it without going too crazy diet/exercise wise so you can maintain it....otherwise you just rebound back to where you were before.