Excerpted from Hand to Mouth: Living in Bootstrap America by Linda Tirado. Out now from Putnam.

I once lost a whole truck over a few hundred bucks. It had been towed, and when I called the company they told me they’d need a few hundred dollars for the fee. I didn’t have a few hundred dollars. So I told them when I got paid next and that I’d call back then.

It was a huge pain in the ass for those days. It was the rainy season, and I wound up walking to work, adding another six miles or so a day to my imaginary pedometer. It was my own fault that I’d been towed, really, and I spent more than a couple hours ruing myself. I finally made it to payday, and when I went to get the truck, they told me that I now owed over a thousand dollars, nearly triple my paycheck. They charged a couple hundred dollars a day in storage fees. I explained that I didn’t have that kind of money, couldn’t even get it. They told me that I had some few months to get it together, including the storage for however long it took me to get it back, or that they’d simply sell it. They would, of course, give me any money above and beyond their fees if they recovered that much.

I was working two jobs at the time. Both were part time. Neither paid a hundred bucks a day, much less two.

I wound up losing my jobs. So did my husband. We couldn’t get from point A to point B quickly enough, and we showed up to work, late, either soaked to the skin or sweating like pigs one too many times. And with no work, we wound up losing our apartment.

It’s amazing what things that are absolute crises for me are simple annoyances for people with money. Anything can make you lose your apartment, because any unexpected problem that pops up, like they do, can set off that Rube Goldberg device.

One time I lost an apartment because my roommate got a horrible flu that we suspected was maybe something worse because it stayed forever—she missed work, and I couldn’t cover her rent. Once it was because my car broke down and I missed work. Once it was because I got a week’s unpaid leave when the company wanted to cut payroll for the rest of the month. Once my fridge broke and I couldn’t get the landlord to fix it, so I just left. Same goes for the time that the gas bill wasn’t paid in a utilities-included apartment for a week, resulting in frigid showers and no stove. That’s why we move so much. Stuff like that happens.

Because our lives seem so unstable, poor people are often seen as being basically incompetent at managing their lives. That is, it’s assumed that we’re not unstable because we’re poor, we’re poor because we’re unstable. So let’s just talk about how impossible it is to keep your life from spiraling out of control when you have no financial cushion whatsoever. And let’s also talk about the ways in which money advice is geared only toward people who actually have money in the first place.

I once read a book for people in poverty, written by someone in the middle class, containing real-life tips for saving pennies and such. It’s all fantastic advice: buy in bulk, buy a lot when there’s a sale on, hand-wash everything you can, make sure you keep up on vehicle and indoor filter maintenance.

Of course, very little of it was actually practicable. Bulk buying in general is cheaper, but you have to have a lot of money to spend on stuff you don’t actually need yet. Hand-washing saves on the utilities, but nobody actually has time for that. If I could afford to replace stuff before it was worn out, vehicle maintenance wouldn’t be much of an issue, but you really can’t rinse the cheap filters and again—quality costs money up front. In the long term, it makes way more sense to buy a good toaster. But if the good toaster is 30 bucks right now, and the crappiest toaster of them all is 10, it doesn’t matter how many times I have to replace it. Ten bucks it is, because I don’t have any extra tens.

It actually costs money to save money.

It is impossible to be good with money when you don’t have any. Full stop. If I’m saving my spare five bucks a week, in the best-case scenario I will have saved $260 a year. For those of you that think in quarters: $65 per quarter in savings. If you deny yourself even small luxuries, that’s the fortune you’ll amass. Of course you will never manage to actually save it; you’ll get sick at least one day and miss work and dip into it for rent. Gas will spike and you’ll need it to get to work. You’ll get a tear in your work pants that you can’t patch. Something, I guarantee you, will happen in three months.

When I have a few extra dollars to spend, I can’t afford to think about next month—my present day situation is generally too tight to allow me that luxury. I’ve got kids who are interested in their quality of life right now, not 10 years from now.

Here’s the thing: we know the value of money. We work for ours. If we’re at 10 bucks an hour, we earn 83 cents, before taxes, every five minutes. We know exactly what a dollar’s worth; it’s counted in how many more times you have to duck and bend sideways out the drive through window. Or how many floors you can vacuum, or how many boxes you can fill.

It’s impossible to win, unless you are very lucky. For you to start to do better, something has to go right—and stay that way for long enough for you to get on your feet. I’ve done well in years that I had a job I didn’t mind terribly and that paid me well enough to get into an apartment that met all the basic standards. I’ve done less well in years where I didn’t have steady work. The trouble’s been that my luck simply hasn’t held out for long enough; it seems like just when I’ve caught up, something happens to set me back again. I’ve been fortunate enough that it’s rarely compounded, and I’ve stayed at under sea level for short periods instead of long-term. But I’ve stared long-term in the face long enough to have accepted it as a real possibility. It’s only an accident and a period of unemployment away.

Reprinted from Hand to Mouth: Living in Bootstrap America America by Linda Tirado by arrangement with Putnam, a member of Penguin Group (USA) LLC, Copyright © 2014 by Linda Tirado.