What suggestions do you have to help me lose the last bit of belly fat?

Just like: You lost the rest of it -- by diet and exercise. It's the only way that works and keeps it off. Congratulations on your efforts so far.

There's no such : Thing as natural spot fat loss. You need to lose weight in general ; a certain % will be abdominal fat. Eat healthfully ; be physically active. Calories burned must > calories consumed. To tighten ab's do crunches, reverse crunches, exercise ball crunches, pelvic thrusts, lying leg raises, side bridge ; “bicycling” exercise on your back. Engage in regular aerobic exercise. It may be tough.