Be down on your luck
Definition 1 of 1
Pro Tip 1/3Temporary Hardship
The phrase often implies a hope that one's circumstances will improve soon. 
Even though she's down on her luck now, I'm sure her fortune will turn around.
Pro Tip 2/3Empathy Trigger
It's used to express sympathy towards someone facing tough times, not for minor inconveniences. 
I heard you're down on your luck recently; how can I help?
Pro Tip 3/3Not Derogatory
It doesn't blame the person for their misfortune, but acknowledges their difficult situation. 
She's not irresponsible; she's just been down on her luck with her health.