Stormy petrel \STOR-mee-PET-ruhl\, noun:
1. Any of various small sea birds of the family Hydrobatidae, having dark plumage with paler underparts; also called storm petrel.
2. One who brings discord or strife, or appears at the onset of trouble.
Life can be hard when you lack the fiscals
Bills on the table, that's a stormy petrel
A Rhyme-a-day keeps wackness away.