I'm a horse and having loads of bad luck at the moment. will this continue?

Hi, Su. Don't give up and be upset. The situation this year is much better than last year. Be patient and find some solution. Sometimes, ask help for your friends is a good choice for you. Your finance doesn't have serious problem. Remember to make a plan to save your money.
Things will get better in this year. You need to believe yourself and be relax. :-)