What is the best way for a female to lose belly fat?

I want to lose my gross, jiggly belly fat, and want to have a more flat, toned tummy by the time summer comes around. I have heard quite a few controversies on just doing crunches.

Also, I have a little fat around the torso area, right under my chest. It is not that much, but I was wondering if there was any good way to get rid of that as well.