Just My Luck is about a girl who seems to have all the luck in the world. Good things always happen for her no matter what the circumstances. That is, until she meets a guy who seems to be down on his luck, which ends up changing hers. The two basically switch lives, with her now having bad things happen all the time and him having things look up.
Ashley Albright, played by Lindsay Lohan, is a girl from Manhattan who seems to always come out on top no matter what. She always looks great, she meets the right people, she finds money lying around, everything that could go right often does. From the other side of the tracks, Jake Hardin, played by Chris Pine, is a guy who's always having a bad day. He's losing money, misplacing things, and always having everything go wrong. After the two kiss at a masquerade party, their luck switches. Now Ashley will do anything to find the man who stole her luck and get it back.
During the search for the person she kissed, Ashley ends up meeting and liking Jake, as she doesn't know he's the one who has her luck now. He has been doing very well for himself with the good luck he has, and Ashley soon realizes that he's the one she met at the party. She kisses him a second time to get her luck back. However, this puts tension between her and Jake, as he is now back to bad things happening and everything going wrong.
Now faced with the decision of keeping the luck for herself or giving it to the guy she likes, Ashley is struggling on what to do. She hated going through hard times and not having her luck like before, but she might hate it even more if she didn't see Jake again. She has to decide which one is more worthwhile.