Thanks for posting the details. I'm kind of late getting back here.
I added up all the expenses (i averaged your auto work expense to 75) and it came up to $4935. Your net is 65K/12 is $5416.67. So there is a little less than $500 that is going unaccounted for each month.
Are you increasing your credit card balances right now despite sending $200/month? Or is it possible that your habits/misc spending are higher than you think?
Just scanning through, nothing seems out of line here. Your spending doesn't seem over the top, but cutting out cable temporarily and cutting down on your special spending will free up cash you can use to attack the debt. We all like to buy gifts, but if you are going into the hole every month the last thing you should be doing is giving money away.
The one exception to this is your tithes IMO. I'm not a believer, but my wife is and when she was working, we tithed off of her income. If you are truly a believer, I would never ask you to stop tithing. Besides, your tithe aren't really a problem anyway.
If I were you, I would identify where the missing $500 in take home pay is going. After that, see how much of it you can eliminate. Then cut back in other spending areas, even if it makes you temporarily uncomfortable.
After that, you should start an emergency savings. Take a few months to stock away at least $1000. Then turn towards reducing the CC and personal loan.
IMO, you really don't seem to be in bad shape on paper. It seems like you just need to understand where all the money is going and you'll be fine