You need to read up on the Zone System before you do testing.
In a nutshell, you're supposed to be basing your exposure on a shadow, not on the 18% gray card. Find a textured black (black fabric that you want to show detail in, for example) and use that in place of, or in addition to, the black card. Place that in Zone III (two stops less exposure than the meter reading). Then check the gray card and the white card (a textured white would be better maybe) to see where they fall. Adjust (or find) lighting that allows them to fall in Zone V and Zone VIII, respectively.
Once you have that, then you have "normal" lighting. Now you need to determine your E.I. and development time. Since you're working "down-and-dirty" and likely don't have a densitometer handy, make an exposure at your best guess for E.I. and develop it at your best guess for proper development time.
Print this negative so that the clear, unexposed areas of the negative are rendered just an almost-imperceptible bit lighter than maximum paper black. Then check your test areas to see how you did in what you consider ideal lighting (not too bright or too dim). The black should be a Zone III textured black. If not, adjust your E.I. for the next test. The gray card should be Zone V (but don't stress out about this much, Zone V is a bit "flexible") and, more importantly, the Zone VIII should print just a bit grayer than pure paper white. If that's not the case, adjust your development time (more for more contrast and brighter whites and vice-versa).
Repeat this till you are satisfied with the results. Now you have your personal E.I. and development time for normal. It isn't ISO standard, nor will it necessarily apply to others with different meters and developers, etc.
If you need real scientific accuracy, take up sensitometry and read up on the ISO standard tests.
Best,
Doremus