Hi Jayne,
Thanks so much for keeping us posted on your progress. It's so great to hear how your hard work has paid off so far. You should be so proud . . .not only is your physical fitness level increasing, but you are also losing weight and increasing strength. Losing inches is a great indication that you are burning fat and adding lean muscle mass. The combination of strength training and cardio is so critical and your routine sounds like a good one, so keep it up.
Now, with the last 99 to go, it's time to really start a new phase in your exercise. You're doing the right thing by challenging yourself to use 10 pounds where you can, but really try to up that 5 pounds to 8 and continue to increase. Make sure you are getting in two sessions per week of the strength training and aim for three sets of each exercise - 12 to 15 reps per set.
Because the cardio has gotten easy, don't settle for easy workouts. Make sure you continue to challenge yourself by adding hills, intervals, etc.
This is all you - you are doing great. Keep it up and please keep us posted.
Good Luck,
Paul