If I've said it once, I've said it a thousand times: "The first place you want to lose it will be the last place you lose it". This, of course, is in reference to belly fat. For most people, losing the last few pounds on their belly is the biggest battle. It takes intense focus and disciple to see it gone. Think about it, how many people at your gym have a nice chisled 6-pack? Not many I'm sure...
Look at what Jillian Michaels of "Biggest Loser" fame has to say about it:
Crunches don't equal abs.
You can't do crunches and expect to see abs if they're trapped under a layer of fat. Taking off the last problem pounds requires discipline. You're fighting you're body's natural chemistry. Your body wants to keep on an extra 10-15 pounds and losing the last 10 pounds isn't always about getting healthy in the same way losing 30 or 40 is. Sometimes, it's about vanity, and for vanity, you have to make sacrifices. Your body doesn't want to shed that weight just because you are a narcissist and want to wear size two jeans. You have to trick your body into thinking it's a safe weight, and that means plowing through the program without giving your body the chance to rebound back to its old weight.If you can read In Touch on the treadmill, you aren't working hardenough."