Dave Ramsey's Snowball

In order to be debt free (save our mortgage) by the time my husband graduates from college we are practicing the Dave Ramsey Snowball method. We have 4 debts plus medical expenses. I posted last month that I was thinking I'd like to pay off credit cards early in the year and then concentrate on the small ATV loan we have...instead we have decided that we'd start with the small ATV loan since it's a smaller principle balance but a larger monthly payment. We currently owe $2000 so it won't take long to eliminate that debt and the rest will follow, I can funnel that money straight to one of our 2 credit cards...so while I'm changing the method I'll use to eliminate debt, the end result is the same (though hopefully it will happen faster if I start with the ATV payment vs. the credit card). Also I'm hoping that building the savings account will allow us to avoid using credit cards in the future. However, when my husband graduates (tentatively) in the spring of 2013 he will not only be debt free but also will have NO student loans for his bachelors degree so if we absolutely have to use one small credit card to get there, I am ok with it....although will do just about anything to avoid using them! I'm hoping we can also put away a few hundred dollars to use if/when a foster child arrives for their immediate needs until we get them set up with any services they may need.