Rotten Luck

these 2 mths is really rotten luck... i do everything also not smooth....Not sure what is wrong really... i really hope things could improve... let me list the unlucky stuffs.

1. bet on soccer always lose.

2. mahjong also lose

3. bills kept piling up

4. money flowing out

5. assignments low marks

How to improve the luck, really very tired sometimes with tons of bills to pay... i want to do some re finance and see how...

sometimes it is not i stingy but i really very sick of the cash flow..