Lordhippos
Pokémon Master
It's worth getting a credit card, solely for the bigger purchases (above £100) as you get more protection in case things go wrong. Then train yourself to pay the card off straight after receiving the statement
I just called my cc provider (amex) and set it to be full payments each month by direct debit, much easier than having to make manual payments.
Set the statement and collection date to somewhere around the 5th of the month so I can add stuff that will only need paying after pay day.
Works really well and no interest fees. 1% cashback after I've spent a few £k on it in a year as a bonus.