How can I lose belly fat without losing too much weight?

I am 15 years old (male) and I have belly fat and lovehandles. Albeit, I am not obese or overweight, I still would like to lose belly fat and slim down my stomach area. I heard that cardio can make you lose fat but I am worried that if I do too much cardio that I will lose a lot of weight. Any advice on how to lose the belly fat without losing too much weight on cardio exercises? Also is it advisable to lose the belly fat first and then concentrate on ab toning afterwards? Or maybe its better to do the ab muscle training along with the cardio?

P.S. can you also tell me how long the whole process will take?