Financial plan for 07

I know it's a bit early for New Year's Resolutions, but while it's on my mind...

I have approximately $9,400 in credit card debt spread over 4 cards that I want to get rid of. (I also have some student loan debt slowly accumulating, but I'm still in grad school, so that is not a priority for me right now.) Let's focus on the shizz that is costing me some serious change.

Scooter: $430.00 at 24%
Chase: $300.00 at 29%
WAMU: $1440.00 at 0%
MBNA: $7210.00 at 0%

Currently, I pay about $500 per month to the credit mofos.

I effed up on some of my payments to Chase this year, so the interest skyrocketed to 29%, up from 11%. So, I transferred as much as I could to 0% cards. I'll be able to pay the remaining balance off in December or January. After that, I am going to snowball that payment onto the scooter payment which will be paid off in January or February.

The challenge comes to pay off the other two. I plugged my numbers into Bankrate's Credit Card Debt Calculator and I would have to pay $865 per month to have it paid off in December of 07. I think it will actually be a bit less than that, because I didn't account for Dec - Feb's payments in the balance totals.

Anyway you look at it, though, I am going to have to make some serious payments to get the other two paid off. I would like to have it done in a year, but unless I get really creative, it will take 18 months to pay it all off and that's not including interest. (Currently, both cards are at 0% and they start getting interest in 08.)

Any extra money that comes in, I throw at the cards, but it's not constant.

Here's what I am doing:

I have picked up a PT tutoring job that pays $200 per month; unfortunately, the hours fluctuate.

Next, my gf and I are looking at taking in a roommate in March 07 (long story about why we are waiting), but we are not so sure about that (strangers in the home?). However, we have an extra room that is not getting used, so it makes sense.

Additionally, I may get some money from my mom (this year, I dropped about $2000 on the cards for her cats.) after she starts her new job; however, I am not counting on it, since she had a rough financial year and has to play catch-up herself.

My gf has offered to contribute money, but, again, it's not constant. Right now, she gives me about $50 per month.

I will be getting in some loan money, but I really would hate to use that.

So that's for the credit cards. Unfortunately, this is assuming I live in a vaccuum and don't have any other financial concerns. We all know that doesn't happen.

First, my emergency fund is miniscule. Second, I have a very sick puppy who may need some serious care in 07; this is also why my EF is so small now.

I am thinking that, after I pay off the interest cards, I will pay only the minimums on the other cards and put the rest of the "payment" in an ING account*. That way, I can build up a cash bank, earn some interest off of it, but still have money for the cc. I am a little wary of this, though.

Any thoughts?

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*Shameless plug - if you want to get a $25 gift for opening up an account, send me your e-mail and I'll refer you.