Okay, 5 pounds should be a good goal to reach. And at that weight, 1/2 pound a week is pretty reasonable. I don't diet consistently--I tend to maintain for a few weeks, and then go back on my calorie-deficit diet. So, if you find yourself reaching a plateau, I would actually increase my calories and then decrease them and then repeat. This is good for the metabolism to get a variety of calorie intake. Same thing goes for exercise. Change up your routine every few weeks. If you're not already, definitely increase the strength exercises you are doing. The more muscles you have, the more calories you will burn.
I think at 5ft1in, 98 pounds is thin, but reasonable (in my opinion). And you're right, the BMI says you're fine.
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