I recently heard once again a comment I've heard many, MANY times over the past several years: "You and your husband have worse luck than anyone else I know!" and I have one question: "Why is that?"

You see, just about the time we get to the point we can manage to keep up on all our monthly expenses and start feeling like things are going to continue to look up, all hell breaks loose and we have to again resort to something my hubby dubbed "creative financing". Is this something we have the power to change?