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I've used their layaway for my daughter's school clothes before. She wears a size that they only get a few of. If we find 3 pairs of jeans for her and I only have the cash for 2 of them that pay period, then I put one on layaway. If I wait two weeks, there is a good chance they won't be there anymore. Since she's so hard to shop for, it has been a good option. It is also nice for sales at Christmas when you know you're getting a bonus check (also, December is almost always a 3 paycheck month for us at my work, but I don't usually want to wait until December 15th until I do my shopping).
As for using a debit card for online purchases, it's more dicey. All the protections built in for regular credit cards are not always there for debit cards. Someone gets that debit card info and you could lose every penny of cash you have. With my debit card info, you can transfer every penny I have in savings, my kids' entire savings and wipe out my checking account in one fell swoop. With credit cards, you can only be held liable for $50 if the card is stolen.
Idiot me checked my online banking from the ex'es house earlier this week. My daughter ran a spyware/adware detection program at his house the next day and called me to ask what a keystroke logger was. I changed my banking password immediately! Check with your bank on their policies. You might not be as safe as you are with a standard credit card.
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