[Ima saver]

First, I would tell you to definately take the 0% credit card and transfer as much as you can over to it. Next you need to start on your emergency fund. To me, $1000 is not that much in an EF, but it is better than nothing.
You did not mention, how much can you save each month? With 3 kids, I would shoot for an emergency fund of about $5000.
Then I would throw all the money that I could at paying off those credit cards.
After that, it will be time to open a roth IRA and start saving for a house.