I think that we create our own luck. By that I mean we create our own opportunities and deal with situations how we can. That doesn't mean that bad things won't happen, but it's what you do with them that counts.
Like Finy, I feel that I am lucky in my unluckiness. I generally feel like my luck runs even. I've had some bad times and some good. I've also had some really bad times but when I really need some good luck, life usually has a way of working things out.