<human>: Give me the gist of the text in a nutshell

Hey /r/personalfinance - 
I'm set up to receive a combined federal and state tax return of ~1400 (give or take a few dollars). I am focusing on aggressively paying down my debt (about $6100 in consumer debt, 150.00 left on an interest-free promo period and will be paid off before that is up, 1600.00 on 19.24% APR - this comes up again later, and about 4000 on a 15.99% APR). 
My take home pay is about 1400-1600, not factoring in any monthly bonuses I may get (performance based, so ideally, monthly, but for budget purposes not including them here). 
All told, my monthly expenses come to about 1000, not including any emergency expenses. I currently have $825 in a savings account, am contributing $25 weekly to an IRA and was previously doing $200 monthly to my savings account. I'm also putting 6% into my employer 401K, even though I'm not yet eligible for the match (3.5% to 6% personal). 

The plan: I was initially planning on putting that entire tax return toward the 1600 CC debt with the highest interest rate - the logic in doing this is that I am underwater on my car (pay 210 a month and $111 monthly for car insurance) and while payments aren't a burden, would really like to balance it out and get rid of it. My mother, who has been amazing (letting me live rent-free in her basement suite while I handle the rest of my bills) has agreed to match every additional dollar I put into my consumer debt and put that same amount toward my car loan. Ideally, this is awesome because it essentially doubles my money.

However - I really want to start practicing a 0 base budget and living on last month's income - unfortunately, the way my income and bills are set up, I never really have a chance to store a whole month's income. So I am considering using the refund as my "last month's income" to get the ball rolling - now would be my only chance to do it because I have already adjusted my withholding to have a higher net pay/smaller, if any, tax return annually.
<bot>: continue paying debt aggressively or focus on 0 budget/last month's income so I can really see where every dollar is going and put additional monthly excess toward debt?