I screwed up. I forgot to budget for oil! This is the first house I've ever had to pay for heat in, and well, I forgot. So.. that will obviously impact my debt plan, but at least I know I'll be able to afford it. My plan is to budget a set amount for now through next winter, divide it by the number of paydays between now and then, and put that much away each payday. Fortunately, by using a program like Microsoft Money, I know how much I spent last year (I just run a report, it's so fancy and great), so I should be okay. A do-able plan, thank goodness.
As for my debt payment plan, after taking a long, hard look at my balances and interest rates last night, I decided not to stick to the Dave Ramsey plan. I'm still paying off the lowest balance next month, but after that I'm paying off a higher balance with the highest interest rate, mainly because the next lowest balance has a really low interest rate. I just can't justify it, especially since it's not like I don't have the motivation to stick to it. I have readers now- I can't slack off! I really think I'll be fine. But, I'm calling that card tomorrow to beg for a lower rate. I'll just start telling them I write about them on the netz and scare them into it.
Minor crisis averted.