I'm not into dieting but having a healthy diet will kick those last 10lbs fast. You really need to watch what goes into your mouth and ask yourself do I need this and is it the best choice. Then you really have to make you 3 workouts count. Try wearing a heartrate monitor and making sure you keep you heartrate high throughout your workout. I try to stay between 150-180 for at least 30-45mins but constantly changing the workout. I run, row on the machine, bike, and crosstrain
Food tips: My rule is anything green (lot of veggies), lean protein (chicken or fish for me), very few carbs, and fruit (too much sugar), no dairy
I was 5'2 and 128 pre-pregnancy and now 16months post I'm 118 lbs. My lowest was 115 at 5 months post.
As for the tummy even at 115 it was still there. All the trainers that I have talked to say it is diet related. I really stuck to my diet and still couldn't get rid of it so I said forget about it. You can't be perfect.