If you feel like you have a black cat following you, it might be because you are subconsciously creating a self-fulfilling prophecy.
Focus on what is going well, no matter how small. This shifts your energy from lack to abundance.
Here is a detailed look at understanding, managing, and breaking the cycle of bad luck. 1. Defining "Bad Luck"
In many cases, it is simply random misfortune or a "wicked environment" where our best efforts don't guarantee success.
See problems not as punishments, but as challenges or "gifts" that force growth.