"I have changed nothing and have stayed steadfast, but I'm wondering why so close to my goal I seem to be stuck."
There's your problem! Like Cheryl said, ya gotta mix it up. According to my personal trainer, our bodies become very quickly accustomed to routines and they lose their effectiveness. She said to switch up the order of weight and cardio exercises. For instance, if I usually do 20 minutes on the bike, then 25 on the treadmill, change it up often and do the treadmill first. Also, she advised that I switch up the order of my circuit training sets. Maybe do it backwards. Maybe rearrange it so that I'm doing different exercises together.
"Also I still have fat in my belly and my husband ( who is very supportive) thinks I should continue with the cardio until I lose that fat before switching to alternating with weight lifting."
Nuh uh! Do the weights! Muscle uses more calories than fat, so adding muscle to your body will help you burn more calories and lose fat.
I'm 20 pounds overweight. My PT has me doing weights at least 3 times a week, and cardio at least five (but preferrably everday.)
Also, do you "climb" when you're on the treadmill, or are you walking flat? My PT says that I always need to be climbing when I'm doing my cardio. Hills, hills, hills. Whether on the treadmill, the stationary bike or the stairclimber.