history: I am convinced my family's finances will soon turn around.  Hard work and never giving up will be the key to it.  I believe it will happen. Financially_comma_ things will turn around for my family soon! I hope and wish so. In this tough economic climate many are finding it difficult to cope with financial responsibilities
current: Yes, and we had a layoff of five months.  I believe in a brighter day, though, so I know it will improve.
next: Being optimistic will help you alleviate much of your accumulated stress