prepaid visa cards do work, I've used them before. You can get them at tons of places, walmart/target/grocery stores, and then use them with paypal.
Another way is to open a bank account (it CAN be a savings account), and link it with your paypal account. Then you can pay for things that way, but remember that lots of savings accounts are limited to like 3 withdraws/month so if you want to use it for more than one thing just transfer some money from it to your paypal account.
And yet another way, is to bug your friends :D, but that one can be tricky because it requires having friends... which I'm sure all of us do except for those that don't.