Heart rates by themselves don't really mean a lot - some people have big hearts (me), some people have small hearts. I had a friend who had similar heart rates to you - she wasn't working hard until 200 bpm.
Having said that, I have a few thoughts...
First, I think you need some rest. Looking at what you're doing, it looks like you don't have any rest days/recovery days. Training days you put a stress on your body, and rest/recovery days are when your body improves based on the stress. It's fairly common for people to overdo it by working out every day, and if you are overtraining, that could lead to a raised resting heart rate.
My second thought is that you are likely working out too hard during your average workouts, and not hard enough in your hard workouts. You generally want to work out fairly easy for the aerobic workouts, and very hard on things like intervals. The heart rate monitor can be useful for this, if you do a field test (search the archives for info on the carmichael field test) - it will give you good ranges.
Third, most training programs are periodicalized, normally on a 4 week cycle. Basically, during weeks 1-3 the training load gets progressively harder, and then the 4th week is lighter, and then it starts over.
A good book can explain a lot of this. The ultimate ride is pretty good.