Since you say you have an account at a bank, and have internet access, why not open an ING (or other internet bank) account. ING doesn't charge any fees, but you do have to have a 'real bank' for making and receving deposits.
I know this doesn't answer your question of how to go without banks, but with your money online and a 2-3 day waiting period to get the cash would help with the motivation not to spend the money. Plus you have the bonus of relatively high interest rates so your money can grow!
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