I agree with what Umpa said mostly, however, I find that my appetite decreases after I exercise. That can be a big help. Lately, I've been putting my exercising off until after dinner and then I feel sluggish, not to mention hungrier beforehand. But if I exercise sometime after lunch and before dinner, it helps a lot.
There's no doubt in my mind that it's better to get into a habit of exercising regularly, simply for the sake of your heart and lungs. The toning is nice, too. I've lost a lot of weight without exercising (63 pounds) and this time around I've done it with exercising. I'm in WAY better shape now than I was that other time. On average, I feel better and have a lot more energy. The time I lost weight before, I lost it with herbal supplements and got most of my energy from them. If I had to pick one -- I'd go with exercising.
I wouldn't worry too much about those last two pounds, eliruthy. They'll come off. If you track your food well, you'll be more aware if any extra carbs are sneaking in on you. Just stick with it and good luck.