Think that a prepaid debit card is the perfect solution in an inperfect world? Be aware that these cards also have drawbacks. See this article in The Los Angeles Times by Scott Wilson:
http://www.latimes.com/business/la-fi-five-prepaid-20120617,0,3053674.story
There is no perfect solution out there except to keep track of your spending and spend less than you make.
Remember, You can count on us to count for you! 
P.S. I will be on vacation next week so because of lack of time my next blog will be on July 2.