Just outside of town you find an old abandoned house. No rent. You move in. It's warmer then under the bridge and there's places to hide your cash. As winter gets meaner you are shivering cold and you make a makeshift fire place in the bath tub and burn trash to stay warm. One desperate night you even burn about 42 bucks to get a little warmer.
You leave too much trash in the burning tub and fall asleep one night. The fire gets out of control and you, your money, and the abandoned house are all burned to ash.