Which exercises to lose the fat on my thighs and lower tummy are considered effective?

Cardio Mix: You can not target the abdomen specifically for weight loss - if you have adipose tissue to lose (not everyone does), then consider an increase in cardio and a balanced diet. However, do not always do the same exercise or you will increase your risks for stress injuries. Mix things up with walking, running, biking, swimming, or circuit training. Ultimately you need to burn more than you consume.