Mrs C - those last few pounds can be quite stubborn, particularly at our age (I'm almost 51). It took me 6 months to lose just a few vanity pounds, and I still think I could stand to trim up the waist/ab area a little more. As someone else already mentioned, some of mine is just loose flab, the result of having kids and gravity. I'm not looking for "bikini-ready" either, just the healthiest me I can be!
I'd say put a really sharp focus on your diet....are you tracking your food here on Spark? If not, that would be a great way to find out exactly what you're eating, where you're falling short on nutrients, and where you could stand to cut back. Using the food tracker taught me a LOT about how and why I eat...quite an eye-opener!
I also found that I saw better results if I make sure my exercise time COUNTS. Phoning it in on the treadmill just won't cut it. I started doing cardio intervals and tried some new ways to elevate my heart rate. I also upped the intensity of my strength training and constantly challenge myself to do better/more/heavier. I finish workouts feeling totally exhausted but smiling from ear to ear because I know I left it all on the gym floor