Genetics plays the biggest role as to where we store our fat, however, that does not mean we can't do our best to be the best we can be. Studies show that high intensity interval workouts a couple of times a week helps with belly fat (you do not want to do these exercises daily though, because they can leave you vulnerable to injury) as well as following a very healthy diet of fruits, veggies, lean protein and healthy fats.
Below is a link to the guidelines for HIIT. www.sparkpeople.com/resource/fitness_artic
But remember this is a lifestyle. You can enjoy the holidays and still be happy. You don't have to delay starting your program just to 'enjoy' Christmas. In fact a recent study reported that those individuals who vowed to start living healthy come January will actually gain more weight during the time frame from Thanksgiving (which is the end of Nov) and Christmas. Researchers believe this is due to a diet, all-or-nothing mentality. Even if you just start drinking water instead of soda or adding in 2 extra servings of fruit/veggies per day or going for a nice 10 minute walk, come Jan 7th you will well be on your way.
I hope this helps!