Key to get ripped is to sprint! Forget those wasteful 45min jogs, what you need to do is sprint. Do x10 (50m) sprints every day(or 3 times a week).You can start out with (x10 or x5) 30m or 40m sprints then move up each week till 50m. After ech sprint you need to recover fully till you feel your body is ready to do a 100% sprint again and again. Every sprint should be at full intensity. HIIT(High Intensity Interval Training) is the best way to lose that unwanted fat. And then after your sprints you go hit the gym hard!