Hello,
I just changed my username, so I am "Tangi88". Also, Happy New Year!
My little one at the moment is 21 months old. She says about 10 words, points with her index, talks her own language and is a very happy and sociable little toddler, just a bit speech delayed.
Her speech is still behind from her peers as they now say many more words that my DD, some even sing, most combine words together and say little phrases. For example, most of the children in her age say "more juice", my DD says "juice".
I am not that worried as I was when she was 1 year old to be honest, I just have accepted that she is developing at her own time. A friend of mine told me that babies are like pop-corn and they pop at their own time! :-)
You are doing really well that you keep an eye at your baby but please don't make it a big deal and enjoy this time as it will never come again. I am the type of person that gets stressed easily but don't do the same mistake.
Observe your baby. Is he/she following you with their gaze while you walk in a room? Does your baby make any sounds to communicate with you? Does he/she respond well when you call him/her?
Also, are there any other aspects that affect your baby's development? For example my DD is bilingual and although many people say that this won't affect her, many others have experiences that it does. Also, she has tongue tie. Also, in our case, the nursery I think was a drawback to her speech development as English was introduced there, but on the other hand it was a great push to her social skills.
I really hope it all goes well but at this age the only thing you could really do if you want, which we also did, is a hearing test. Other than that, just take it day by day and things will get better.
My DD is a completely different person to the one she was when she was 1 year old, which is not even a year ago! Her understanding is million times better. She now says "yes", "no" and this is amazing! I know it's a milestone that is normally achieved by much younger toddlers but it doesn't worry me anymore.
Sorry for the lengthy response!
As a conclusion please focus more on her understanding, social behaviour and her own way to communicate with you, rather than in milestones.
Good luck and I am here if you need anything! Mommies need one another :)