HELP-URGENT?Easy Points?

So me and my family are going on a vacay in like 22 days; I have this problem-a pudge I hav a pudge and I want to get rid of it b4 we go so I can wear a bikini(were goin to Panama City Beach) and I cnt hav this pudge sticking out---its only my lower abdominal area and I hav 22 to lose this pudge; I'm 131.6 and I wuld like to b 120... I need the best most effective lower ab excercise so I will hav a flat belly witout sucking in.