Many of you ask me why it is that you didn't think of doing x spell before y event happened...well, since that's a questions with as many answers to it as there are people asking it, I can't help you there.
What I can help you with is the following bit of advice...and some rambling on, too. ;) Basically, the problem you're running into is that you're not prepared. It's like if you find out that have 4 months until your school reunion when you find out about said reunion, don't get angry that you aren't getting results on your weight/flabbiness problem when dieting and working out for only 2 weeks before your reunion. ;) Giant bill you have to pay in 2 months? Better save up for it for those 2 months rather than complain two days before it's due that you forgot to save. :P OR maybe if you regularly saved your money, and worked out on a regular basis, neither would require you to do anything that isn't something you do all the time as is. :P
And the same can be said with spellwork. I've heard RO talk about "Kingdom Maintenance" and there really is something to that phrase. This means you're working some love mojo or protection mojo or some money mojo even when you don't need this stuff. Why? Because you WILL need this stuff. It's so much easier to keep things on an even keel than it is to throw all the spells you can think of and the kitchen sink at something when it goes tits up.
Want to attract people to you and be charismatic? Do attraction work on yourself regularly. Want to always have a bit of extra money? Do a money spell once a month at least. Worried about your interfering in laws? Do some protective work on your marriage regularly. Want to keep business steady at your small business? Do work on a regular basis to attract customers. And when (and if) you do hit a snag, you won't suddenly find yourself in such an emergency. If you're already doing well business-wise, one bad month of business will be a lot easier to deal with than if you were not doing so well before the bad month, for example. If your mother in law suddenly decides she hates you and wants your husband to hate you, too, you're already protected to some degree by the work you have put on your marriage.
Being prepared can mean using regular spellcraft to keep your life at it's best possible place. Doing something as simple as setting seven day lights in a non-emergency situation (perhaps you'd just like extra money, extra success, etc,) and doing this on a regular basis will make it much easier to correct the larger problems that arise in life when they arise.
Hope that makes some sense to you all,