How can I get rid of the pudge in my lower belly?

Okay, I am absolutely DREADING summer this year because it means that I will start having to wear a bikini again and i am really self conscious about my belly. For the most part I look okay in a bikini but I have a really stubborn pudge in my lower belly that I can't get rid of! It's SO unattractive and I hate feeling like I have to constantly hide my belly. How can I get rid of it. (PS> I'm 14)