Wayne Rooney's Wife -- Bikini Beach Day ... Before England Chokes

Life's a beach ... and then your husband's team chokes in the World Cup to Uruguay -- at least that's the way the World Cup shook out for Wayne Rooney's wife.

Coleen Rooney was spotted out at a beach in Rio on Wednesday -- kicking around a soccer ball while rockin' a hot blue bikini.

Of course, the very next day ... Wayne and Team England lost a key match to Uruguay ... and now they need a miracle if they hope to advance to the next round (Italy needs to beat both Costa Rica and Uruguay, PLUS England has to beat Costa Rica).