How to lose love handles by exercising?

okay.. so im trying to lose my love handles. I have an athletic build as a girl. i hate it. i can barely fit in my clothes anymore.. its depressing. i want to lose my stomach fat, but its difficult! Help mee! im 5'4 and i weigh roughly 130. id rather do exercised than watch what i eat, but i can do both i suppose.. lol.