1) Take your lazy butt down to the store (indie record shop, Best Buy, Circuit City, etc.) buy the CD you want, and use your computer to rip the CD into MP3s (although I'd suggest you use AAC, but that's a personal preference.)
1a) If ripping a CD is too techincal for you, you could always just buy an iTMS "gift card" as the big box stores, or even your local gas station.
2) Ask P&M to give you an iTMS (is it just iTS now?) allowance so you can buy your tunes.
3) Ask P&M to take you to the bank to set up a savings acct with a Visa/MC debit card, and use that to buy your tunes.
(If P&M doesn't make sense, please go read / watch A Clockwork Orange and then you'll get it.)