How do you Make a Moral Decision?

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Ethics is a fascinating subject since we as humans have many different morals and standards we live by. As I was taking an ethics class in health care I dived into the concept of moral decision making and found that my way of coming up with a solution to a moral dilemma was a bit complicated...yet I do it in seconds without realizing it. I have read before that there are three main ways in which people make moral decisions. The first way is a self centered approach. This means that the answer to your dilemma will be whatever answer benefits you the most. The second way is the complete opposite. This is where a decision is made solely on how the decision will affect the other parties involved in the dilemma and not yourself. The third way is a median between the two where you would assume the affects the decision would have on both parties involved and come up with a solution the would cause the least harm. I found that I typically use the third option and with mathematical data... For example: Let's say I had a long day at work and had a massive headache. My friend calls me crying and wants me to go have a drink with her because her and her boyfriend got in a fight. I am not in the mood to drink, I don't feel well, and I will have to listen to her talk the entire time...but if I don't go I would feel as though I would be a bad friend. So this is how I would decide my decision (Keep in mind it is done a lot faster in my head than in writing it). On a scale of 1-10 if I don't go- it would negatively affect her at a 6 (this would very depending on different friends, I have one of my friends in mind) yet it would positively affect me at 9. If I do go- it would negatively affect me at a 9 yet positively affect her at a 8. Since I have the highest points of it affecting me I would chose not to go. What are your thoughts on the matter? How do you make your decisions if you break them down step by step?