It depends on what you mean by "predict". Dreams can't tell you about something in the future that you have no knowledge or no control over - for example, they can't tell you the winning lottery numbers (although there is a very, very, very small possibility that you can dream of the winning lottery numbers and they, coincidentally, will actual be the winning numbers in waking life.)
On the other hand, dreams can help you perceive and understand things that your conscious mind doesn't "get". Our conscious mind filters out lots of things so we can just get on with our everyday lives, or because they are painful and we don't want to deal with them consciously, but nothing gets lost, and if it's important, it will show up in your dreams. Regarding the first three dreams, you probably noticed, unconsciously, that something was wrong with your son/your garden/your wife, and you were able to make an intelligent guess about what was wrong.
The situation with dream about the radio competion could be because
1. You and the person who make up the questions for the radio competition both read the statistic somewhere, but you didn't remember reading it
2. You actually didn't dream that question exactly. You had a dream about a radio competion, and when you heard the question on the radio in waking life, you adjusted your memory so that it matched what you heard on the radio in waking life. The fact that you already expect your dreams to come through would influence you to do this. The only way to tell would be if upon waking up, you wrote down exactly what was said in the dream.
3. coincidence
Regarding the dream that is worrying you now, you already know you are having problems with your wife, and although you didn't say, it's possible that you could be having problems with money (or maybe the two are related.) You already know that you have problems you need to sort out, the dream is just emphasising that, so what you have to do is go try to sort them.
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