If my calculations are correct your total monthly expenses are $3691 a month minus the $2812 which means you are currently running a $879 deficit. I just want to make sure I'm not laeving anything out since you said that the monthly was $1300. Here are some suggestions:
Save the $70 your currently paying for church. While I understand the want to give, you need to get your finances in order first before giving to others. Once you have your finances under control, then you will be able to give many times over.
How have you been on your credit card payments? Have you missed any? What are the rates you are currently paying on them? If you credit is still good, try to get both credit cards moved to one lower rate card.
Change you driving habits. There are some <A HREF="http://www.savingadvice.com/forums/showthread.php?t=61">good tips on saving on gas</A> which will be even more important with the price hitting new records each day. Both you and your husband so go through them to cut that expense as much as possible. That includes only using the car when necessary and learning to plan trips ahead of time to hit all your errands in one run.