It doesn't matter if you use a debit card or not, it's the use of the PayPal donation system that means a fee is applied. If you are sending money directly (i.e. not a donation) to someone you know, less of a fee is applied (and you can choose to pay this yourself). So next time, just PM me and I'll give you the address to use in PayPal. :-)
Oh, and let me know if you want the badge / group promotion, etc.
Oh, and let me know if you want the badge / group promotion, etc.