Goal weight

I am nearly at goal weight but still have rolls on my tummy, and I put a much lower goal weight than needed-frustrated

I am sorry to hear that you're frustrated but it sounds like you have come along way congratulations. are you doing low carb? if you are i would love it if you could give me some pointers.

Loss of weight doesn't necessarily mean that you are losing fat too. Try using http://www.bmi-calculator.net/body-fat-calculator/metric-body-fat-calculator to find out your body fat percentage. Fat takes up around 5 times the space of the equivalent weight in lean muscle, so tracking your body measurements is a better indicator of what's going on than watching the scales/ BMI alone.
Do you exercise too?

If it helps make you feel better, I've lowered my goal twice already for that reason exactly.

I thought a BMI of around 21 would be ok at the start and then 20. I'm at 20 now but I still have a little bit of excess fat on my belly - not much but just enough to muffin top over my skinny jeans! I guess it's related to having a tiny frame and my heritage/genetics - Indian heritage and we tend to put on fat around the mid-section and seemingly nowhere else, which is why the Govt lowered the max. BMI for us!

My doc said, if I wanted, I could lose a little more and she wouldn't be concerned in the slightest so we agreed on heading for a BMI of 19. It's only 2.5kg away for me so it shouldn't be a stretch.

I use BMI as a guide - nothing more because, well, as others have noted, that's all it is. When I see that the excess fat has gone from my mid-section, I'm going to get a DEXA scan to see definitively what my body fat percentage is. I'm quite looking forward to that when I'm ready.

sounds like you have a great plan that is working for you