or get a credit card and only use it as a debit card. buy something you could buy on your debit card, go home , and online pay the same amount to credit card then you'd never ever get charged a penny for interest. even if you forget you'll get the bill and have 2 weeks after that before any charges for if you forget to do it immediately.
credit cards give you massively more cover for fraud and other usage, insurance on basically everything you buy. if you buy say a £20 or a 500 item from a shop, and it goes bust before it gets to you, or the company uses details fraudulently or whatever and you're covered with credit cards, and not with debit card(in most cases).
its very silly to hate credit cards, as long as you use them in a sane manor they are much better. in general most debit accounts can go overdrawn, and almost all charges for going overdrawn on a debit transaction are larger than interest payments, and even late payment fee's.
