Just Her Luck

(20 customer reviews)


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Sample Chapter

Can things get any worse?  

I’ve always had bad luck, from the moment I was born and my mother died in childbirth. I never should have driven all the way from Florida to meet a guy I met on the Internet.   

Now, I’ve made things even worse. That huge man getting out of his truck doesn’t look too happy, which isn’t really surprising since I smashed into his vehicle…  

Publisher’s Note: This steamy romance contains elements of humor, power exchange and sensual scenes. If any of these offend you, please do not purchase. 

Amazon: https://amzn.to/2KhZPvF

Sample Chapter




Charles ‘Chas’ Mackenzie was mad as hell when the tiny little rust bucket T-boned his brand new Ram 2500. Shaking his head, he got out of his vehicle to inspect the damage and make sure the other driver was all right. 

“What the hell were you thinking?” he demanded when she cranked down her window. 

“Me? You came out of nowhere,” the woman snapped back, fighting to get her crumpled door open. 

Sighing he went to the door and grabbed hold, not surprised when the entire thing came away in his hand.  

“How did you ever manage to get this piece of crap inspected?” he asked, frowning as he dropped the door on the ground and reached for her hand to help her out. She ignored it and scrambled out on her own. Then she did the strangest thing. She took a swing at him. 

Her fist connected with his abdomen and she squealed, shaking her hand violently and nearly hopping up and down.  

Chas couldn’t help it, he laughed, making her even madder. Suddenly, both of her fists were flying and he planted his huge hand on her head, easily stopping her from connecting again. He was 6’5 and she was 5’ nothing. It was not difficult. 

“Hey, hey, hey, take it easy, crash.” 

“You think this is funny?” she screamed, swinging again and again until she tuckered herself out and stood gasping for air, her shoulders heaving. 

“Of course I don’t think it’s funny. You just dented my new truck,” he replied, amused despite himself.  

“Yes, you do,” she accused. “I can see the smile in your eyes, you big jerk. Well, not everyone can afford to drive a monster like that,” she insisted, pointing at his huge red vehicle. “Some of us drive what we have to.” 

“What was that, before it became fodder for the junk yard?” he asked, removing his hand now that she’d seemed to settle down and pointing at the pile of scrap she called a car. 

“I’ll have you know that vehicle was a classic,” she snapped, shivering in the biting winter wind. 

“Not everything older than dirt is a classic,” he retorted. For the first time he took in her appearance, really took it in. She was small, wearing a pair of those ratty jeans that were all the rage with young girls, but for some reason he didn’t think that particular pair came from some designer store and she wasn’t a teenager. Her sneakers were beat up, with a hole at the toe of her left shoe and her jacket didn’t look warm in the least. 

“Why don’t you get in my truck and warm up,” he suggested. “I imagine it will take quite a while for law enforcement to get here on these roads. No sense in freezing our asses off.” 

“Do we have to call the police?” she asked nervously. 

“Yes, we do,” he insisted, taking her arm and leading her toward his truck. “For one thing it’s against the law to leave the scene of an accident and for another I’m going to turn this into my insurance company.” 

“Oh,” she said, looking up at the seat when he opened his door. Twice she tried to get her foot on the icy running board and twice she slipped off. She squealed when he picked her up and sat her inside the truck’s cab. 

“Watch your hands,” he ordered before shutting the door with a solid thud. 

Chas stood in the bitter wind and called 9-1-1 on his cell, reporting the accident before climbing into the driver’s seat and cranking up the heat. Thankful for his heavy Carhart jacket he noted the thin windbreaker she was wearing. Taking his thermos, he poured a cup of coffee and handed it to her, watching as she wrapped her hands around it gratefully. 

“Is there a reason you didn’t want me to report it?” he asked, watching her face flush. 

“Yeah, I don’t exactly have insurance,” she admitted quietly. “At least I don’t think so. They sent me a cancellation notice a while ago and I couldn’t pay the premium, but sometimes there’s a grace period,” she added hopefully. “Maybe they’ll cover the damage.” 

“Why am I not surprised?” he sighed somewhat disgustedly. 

“Well you don’t have to get nasty about it,” she snapped, glaring at him. Handing him the cup she moved to open the door. “It’s not like I’m some vagrant, deadbeat,” she hissed. “I do pay my bills when I have the money.” 

“And do you have any money?” he asked. 

“Not at the moment. I mean I have about twenty bucks, but that’s it. But I will have money as soon as I find a new job and a place to stay,” she continued with her chin up. “I believe I’ll wait outside. It’s pretty chilly in here, Mr.…?” 

“Mackenzie, Chas Mackenzie and I wouldn’t advise that,” he stated calmly. 

“And why not?” she demanded, narrowing her violet eyes at him. 

“Because the roads are slippery as goose shit and in case you haven’t noticed our vehicles are blocking a good part of this one. Another vehicle could come around that curve and plow straight into us. You’re safer in here.” 

She appeared to sniff in derision as she reached for the door handle. 

“What’s your name?” he demanded. 

“Roberta, but my friends call me Babe,” she replied reluctantly. 

“Hmm, it fits you,” he noted. “Let me put it another way, Babe. Do you see this console?” he asked patting the piece separating them with his huge hand. 

“Yes,” she replied, sounding confused. 

“Well it flips up, giving me plenty of room to pull your obstinate self over my lap and spank you good. I’m sure your backside is pretty cold. Believe me, it will sting like hell. Is that really what you want?” 

“Are you threatening me?” she gasped. 

“Nope, just stating a fact. I’m not particularly fond of young women who are a little too big for their britches and while this accident was entirely your fault, I won’t sit by and watch you get frostbite or become road kill. Now, sit still and wait for the law to arrive.” 

Chas placed the coffee back in her hands and said no more. 


Babe looked at him sideways as she sipped from the mug. He was a behemoth, and in hindsight she couldn’t believe she’d had the nerve to swing at him. His full dark beard was neatly trimmed and he was warmly dressed in jeans, a flannel shirt and brown lace-up work boots. Thick leather gloves lay on the dash, no doubt the best money could buy. His jacket looked exceedingly warm and she made a note that in the future, if she was going to trapes around this neck of the woods she would need something like that. Although, what she was going to trapes around in she had no idea. Her car was trash. She’d be lucky to get a dime from a junkyard and the twenty in her pocket wouldn’t go far.  

He surprised her when he spoke. 

“Do you have family in the area?” he asked, staring out the windshield obviously watching for red lights. 


“So what are you doing here?” 

“It’s a long story,” she sighed. 

“I’m pretty sure we have time,” he replied, watching the snow pile up and speeding up his wipers. 

“I met this guy on the internet,” she began. 

Chas snorted and removed his hat, running his hand through a head of wavy dark hair. 

“There’s no need to be so judgmental,” she said, glaring into his blue eyes. “Many relationships start online and they end up getting married.” 

“Yeah, and many end up with the woman raped, murdered and stuffed in some garbage can,” he retorted. “What were you thinking?” he demanded angrily. “Where are you from anyway?” 

“I drove up from Florida,” she answered defensively. 

“In that thing?” he asked in outrage. “It’s a wonder you made it to Georgia.” 

“For your information, Bessie, has been a very good car,” she snapped back, “and besides it’s not her fault the guy turned out to be a big fat liar and a jerk.” 

“Is he from around here? What’s his name?” Chas demanded. 

“Roger Thomson,” she quietly confessed. 

“That guy’s a dirtbag,” Chas said with a touch of fury in his voice. “You’re lucky you got out of there with your virtue intact. It is intact?” he questioned, pinning her in place with his frosty stare. 

“I’m not stupid, you know,” she hissed, feeling her face heat up. “I realized almost as soon as I got there he’d been less than honest with me about his circumstances. He was far older than his profile picture indicated and he has no job. His place was in shambles and he seemed to think I should clean it up. In fact, he wanted me to marry him and…” 

“Look after his lazy, good-for-nothing ass for the rest of your life, right?” 

“Something like that,” she sighed in embarrassment.  

“Did he hurt you, Babe?” he asked softly. 

“No, just my pride. I can’t believe I was so stupid. I took him at face value; well it wasn’t actually his face he sent me. I don’t know whose face it was.” 

“How old are you?” 

“Twenty-two, old enough to know better,” she admitted. “I was just so lonely, and the bastard lied through his rotten teeth.” 

“Don’t you have a family, a daddy, a brother, anyone to look out for you?” 

“I’m a grown woman,” she insisted, staring up at him. 

“Almost,” Chas replied with a laugh as he reached over and tugged at her very long dark braid playfully. 

Babe slapped his hand away and he laughed harder. Then the police arrived. 


It took quite a while after two New York State Troopers got to the scene. Licenses and insurance information was exchanged and a tow truck was called to remove Babe’s vehicle. It was so old and damaged even the cops had trouble figuring out the make and year until she produced the registration after they pried the glove compartment open.  

Chas knew both of them and stood out in the storm asking after their families and making small talk, while Babe took her handful of tickets and retrieved her backpack. She started down the road. He caught sight of her just before she disappeared in a swirl of snow. 

“Gotta go, guys,” he said, getting into his slightly damaged truck. “She’s trouble with a capital T but I can’t just leave her out here like this.” 

“Need any help?” 

“No, I’ve got this. I’ll take her home with me until I get her straightened out. Thanks,” he called as he got in his truck and headed in the direction she’d walked off. When he found her she was a little way up the road, knees deep in a snow bank. He opened the passenger window and called to her. 

“Come on, I’ll take you anywhere you want to go,” he yelled above the wind. 

“I can’t,” she called back. 

“Why not?” he demanded getting more peeved by the second. 

“I’m stuck, and I think I hurt my ankle jumping down from your truck,” she screamed. He could see she’d been crying and she wiped her nose on her sleeve. 

Chas pulled over as far as the snowbanks allowed and turned his emergency flashers on. Getting out of the truck he stomped to her, took hold of her arm and pulled her from the snow, tossing her over his shoulder.  

“You could have waited, you know,” he scolded. 

“What for, you don’t owe me anything,” she replied. 

“Funny, I feel like I owe you a good old fashioned whooping for being so foolish,” he growled softly as he plopped her onto the seat of his truck. 

“Funny, I don’t believe I want to go with you,” she sassed back. 

“What are your options?” he asked, facing her in the open doorway and blocking her exit. 

“None,” she admitted, looking at her lap and blowing on her frozen hands. 

“Then be a good girl and shut up,” he advised, closing her door after clicking the lock. 

“How do I know you’re not one of those guys you talked about? The ones who would rape and murder me and toss me in a garbage can?” she demanded when he climbed in and put the truck in gear. 

“You don’t,” he replied with a grin. “However, I promise to feed you first, and get you into some warm clothes.” 

“Gee thanks,” she sneered. 

“You’re welcome. Would you rather go to a shelter? It won’t be nearly as nice as my place but you’ll be safe. Also, in case you haven’t noticed, I’m a relatively attractive man with all of my teeth intact. As a rule I don’t have to resort to rape to get a woman into my bed,” he teased. 

“And so modest too,” she shot back. “I guess the devil I know is better than the one I don’t.” 

“Do you feel you know me?” he asked surprised. 

“A little, at least you didn’t abandon me, which is more than I can say about some men. And I am sorry about your truck. It was entirely my fault. I saw you, but I couldn’t stop on these roads.” 

“My, she can tell the truth too. A point in your favor. Maybe it won’t have to be a full-fledged whooping. Maybe it can just be a few good swats to your butt to teach you not to put yourself at risk.” 

“You are kidding, right?” Babe asked, biting her lip. 

Chas grinned and turned the truck around.  


20 reviews for Just Her Luck

  1. Susan Parker

    Read this book in one day as I didn%u2019t want to put it down. Some really funny scenes and some serious spanking ones too. Baby crashed into Chas and he rescued her as she has really bad luck.

  2. Ajjmb

    Just Her Luck by Stevie MacFarlene is a wonderful new book. I love this writer. Her books are so full of emotion. Poor Babe is truly a mess. She is one horribly accident prone woman but she is very lucky to have crashed into Chas. Chas knows a good thing when he sees it and Babe is one of those good things and I love how he cares for this young woman who no one else has ever seemed to care for. This book is also very erotic. I really liked this book. I voluntarily reviewed an advanced copy of this book.

  3. Lalaland

    I am a huge Stevie fan anyway so I was delighted to see a new book. This one is really entertaining, most of it is played for laughs although, Babe has had a very sad life and really bad luck. She also has shown some pretty poor judgement and choices but when she literally runs into Chas with her run down rattle trap of a car and he decides to take her home to take care of her, that’s the best decision she will ever make. Of course she keeps getting into all sorts of scrapes and trouble but Chas falls for her anyway and thank goodness he has enough common sense for both of them. There are some real laugh out loud moments, some very hot and raunchy scenes and some eye watering discipline spankings, what more do you need? Loved it, hope Stevie decides to expand on this community, ie we meet Chas’ friends briefly and they are all hot dominant spanking men like Chas, could be good. I voluntarily reviewed an advance reader copy.

  4. Redrabbitt

    I enjoyed this emotional and oft times comical story of two unlikely people crashing into each other. Well, the crash was a motor vehicle accident, but the end results are the rest of the story. Oh yes, there are many double entendre there!

    Roberta or Babe to her friends could be the poster child for bad luck. Her entire life, starting with her birth and the death of her mother during childbirth has plagued her with issues. A father who never got over the loss of his wife drank himself to death by suicide by vehicle. An aunt who became her guardian, but never wanted her, and kicked her out as soon as she turned eighteen and finished school. A group of friends and roommates that really were only trying to recruit her as an escort because of her young looks. And then a trip to New York to meet a man who wasn%u2019t what he portrayed. Imagine that!

    Chas MacKenzie has his own home, his own business, and a brand new truck. Living in upper state New York, he is used to snow and icy conditions. But then he is t-boned by a rust bucket, with a feisty little driver from Florida with no insurance.

    The plot will have Babe meeting a man on the internet and leaving her life in Florida to drive to New York to see if they would match. Well, he wasn%u2019t anything like his profile or picture, and she is scared and leaves as quick as she can. Unfortunately, she loses control of her car, totals it, when she hits a new pickup truck. Now she must deal with no vehicle, no insurance, no money, and an irate man.

    Chas may not be happy about his truck, but he isn%u2019t a cruel man, and if there was ever a soul who needed help, it is Babe. She has a backpack of clothing not fit for New York weather, no money, and no place to go. What is a man to do? He takes her home and takes care of her, his style. He is a dominant man, works as an EMT, and has his proclivities.

    The story has so many comical, laughing out loud moments with the antics of Babe that keeps the pages turning as this tale unfolds. The girl is a walking talking accident that happens too frequently. She has never had much guidance in her life, and it seems as if a dark cloud follows her. Chas doesn%u2019t start out with the intent of starting a relationship with her, just to help her out, but it changes the more time they spend together. He guides her in this D/s exploration relationship. While Chas prefers to call her Baby, rather than Babe, this really isn%u2019t an age-play story.

    The tale includes Chas and Babe%u2019s interactions that include many spankings, mostly because of her bratty behavior, but also includes medical play, anal, oral, and explicit sex scenes. There is dubious consent, power exchange, and romance involved with a happily ever after type ending.

  5. Jessica N

    Just Her Luck is a stand-alone story that%u2019s all about finding a silver lining, finding acceptance, and feeling love. Babe is having some rotten luck – she ran off from a guy she met online, after she moved from her home town and has no money, and to top it all off, she caused an accident. Even though is was Chas%u2019 car she hit, he feels drawn to the troublesome woman, wanting to both protect her and take her over his knee. While trouble continues to follow Babe, could it be that all of her bad luck really just brought her to the man she%u2019s supposed to be with, or is it all just too good to be true?

    This book was so sweet and I loved every second that I read it. I loved Babe and I totally understand Chas wanting to give her lots of snuggles, but her sass kept things lively! I loved that he took her in hand, protected her and punished her silly mistakes. While he was never mean, he fully enjoyed some of the torment that he put Babe under, and I loved that he called her baby. Together, they really had a lot of chemistry, in bed and out, and I loved reading their relationship develop from strangers to lovers to much more! Some of the intrigue/drama I wish was better developed, but it gave Ms. MacFarlane the opportunity to fully focus on Babe and Chas. I loved this book and highly recommend it!

  6. Hope W

    Just Her Luck was another well written and funny story by Stevie MacFarlane. I love her books! The storyline was filled with great interactions between Chas and Babe. Chas is dominant, protective and loving. Babe is endearing, funny, and always seems to find trouble. At times she seems like a “little” in her behavior while at other times she is brave and grown up. She seems to be a disaster waiting to happen with little regard for her health and safety, but Chas has just the cure for her behavior. With a firm hand to Babe’s bottom Chas guides her and protects her along the way. This story had me giggling from start to finish just hoping that this couple would find their happily ever after. With love, spankings, endearing characters, and chemistry from page one, Babe’s antics and Chas’ reactions made this a 5 star read! I highly recommend this book for a fun evening! I voluntarily received an arc copy of this book.

  7. Pico1

    A really cute story about two really nice people %u2013 Babe and Chas. She is a really unlucky young woman who has had bad breaks all her life; he is a successful man with a home, business, family and friends. They meet accidentally, and start living together because she has no alternative. The development of their relationship is at times quite funny %u2013 and makes for an enjoyable story with some spanking, some loving and a lot of clever banter between them.

  8. Stats23

    I have always enjoyed books by Stevie MacFarlane, but this just might be my all-time favorite. She always does a fantastic job of creating believable, lovable characters who just happen to have a natural predilection for spankings. So many times, especially in spanking romances, the storyline often revolves around the protagonists not being able to openly and honestly communicate their personal needs, likes and desires. The resulting angst carries the plot through to its climactic conclusion. However, in this book Ms. MacFarlane takes the refreshingly new approach of having both Babe and Chas being totally honest with each other about their feelings during and after each interaction, allowing their relationship to develop and strengthen very quickly. The only thing that prevents them achieving an immediate HEA is Babe%u2019s absolute belief in her proclivity for bad luck. Regardless how her luck turns out, the reader is certainly lucky to have this story authored by the talented Ms. MacFarlane. There are lots of discipline spankings, some romantic spankings, lots of lovingly sensuous sex and some interesting anal interactions. 5 Stars
    I voluntarily reviewed an advance reader copy of this book.

  9. Nancy Hughes

    Loved this, and laughed at times. Babe was so clumsy. Chas is an adorable Dominant and cares for her literally. Loves spanking her too. I voluntarily reviewed an advanced reader copy of this book.

  10. Nicolette

    Roberta is really the queen of bad luck. She literally runs her car into Charles Mackenzie whom is not only not impressed that his new truck is damaged, but is not happy with the attitude of the little young lady driving the car. Soon the discussion heats up and she finds herself with more than what she bargained for.

  11. DB

    I love Stevie MacFarlane’s books, ALL of them! Babe and Chas meet after she runs her car into his brand new truck. She has no money, no insurance and no place to go, so Chas takes her home with him. His life and her life are both turned upside down. Her’s in a good way and his in a surprising way! This book is just filled with humor, lots of dialogue, spankings, hot sex, a very sassy female and a very dominate male. Loved this story and would love to read more about them! 5 Huge Stars

  12. LuCinda Beebe

    I thoroughly enjoyed this story about a young lady named Babe/Baby who is always having bad luck to the point it is hilarious what happens to her and Chas Mackenzie is Babe’ s shining, white knight who she runs into his truck with her car. Stevie MacFarlane I think is a great storyteller with the twists and turns in the plot line and how well developed the characters are.

  13. Lillie322

    I voluntarily reviewed an advance reader copy of this book. When Roberta crashes into Chas’ truck, he know he needs to protect accident prone Babe. She quickly learns that he has no problem burning her bottom for being careless. I loved this book. Chas is strong, dominant, protective and gentle when needed. Spanking, light bondage, anal play. Thank you Stevie MacFarlane for another fun read.

  14. Kitty Ranma

    Feisty, klutzy pocket brat.
    Stevie MacFarlane is one of my favorite authors and she’s done it again with just her luck. I hate spoilers so I won’t go into details.
    Reasons I enjoyed this book:
    Happily Ever After, Romantic, Wonderful characters, Page-turner, Unpredictable, Original, Easy-to-read, Entertaining, Action-packed, Steamy, Funny.
    adult, bondage, contemporary, domestic-discipline, favorites, humorous, medical, read, romance, spanking.

    I received a free copy of this book via Booksprout and am voluntarily leaving a review.

  15. Jf12574

    Great story with equally entertaining characters. Just goes to show never give up on love! I read an advanced copy and this is my honest review!

  16. rjr

    A light hearted, fun story. A guy who seems to have it all together meets his total opposite. They are thrown together, and must stay together, for at least a day or two. Attraction ensues, but can anything more grow between such polar opposite? Check out this fun and sexy romp for a very entertaining read.

  17. charlotte Huelsemann

    just her luck is a wonderful story. It flows so nicely from angry to protective. I love the way it goes from Chas being angry with Babe to becoming very protective. Babe needs a lot of protection. Not only is the man who she came up to be with up to no good, but she gets into plenty of trouble right at home. This story is funny in some places and dead serious in others. The love developes naturally so does the domestic discipline. I love the way the story flows. I really enjoyed the whole book.

  18. Toni L

    This story gave me more than a few chuckles while reading. The comedy came in a kind of slapslick form with Babe being so clumsy & clueless as to almost be a hazard to herself. However, there was a heartbreaking recounting of personal tragedy as well so there was a nice balance of light & depth. I was almost at the end of the read when I was starting to be concerned that a major plot issue wouldn’t be resolved, but it finished nicely with the Epilogue.

  19. lani

    I voluntarily read an advanced reader copy for an honest review. This was a sweet story by Stevie MacFarlene. It progressed rather quickly and unbelievably, but it was a fun read. The plot was pretty basic but kept me interested while reading. Chas was a bit pompous and high handed with Babe after so soon meeting her. This made the unrealistic nature of the story a bit harder to believe and read. However, still a good read.

  20. DONNA L (verified owner)

    Donna L
    5.0 out of 5 starsOne Disaster After Another
    November 1, 2018
    Format: Kindle Edition
    Ms McFarlane has the ability to write books that never fail to entertain and make
    you laugh.That is definitely the case with this book,how could one person manage
    to find herself in so much trouble.Babe’s life had been one of ups and downs,but
    mainly downs.Her mother died giving birth to Babe.Her father drowned his sorrow
    in a bottle and her aunt had no time for a young girl.Babe luck ran out when she
    ran her rust bucket of a car into Chas MacKenzie’s new truck.Freezing cold,with no
    where to go,Chas took Babe under his wing.The girl had no sense in his opinion,
    who would come so far to meet a man from the Internet.A man Chas new had a
    very bad reputation.Chas was a dominant man with a soft side but eventually after
    one to many disasters,Babe found her way over his knees for the first of many
    spankings.The book mainly focuses on the growing relationship between Babe and
    Chas.I like Chas for his warmth,strength and compassion, often in the most trying of
    circumstances.Babe was just entertaining in a innocent way,it took many lessons by
    Chas for her to start to think before acting.At the core of it ,this is a well written love

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