She and Bill are struggling to pay the bills. They don't have enough money for the children's Christmas presents. And having a boastful next-door neighbour isn't helping either. Then Kate's old friend Carmel phones to say that she'll be visiting soon.

Carmel is glamorous and rich - she seems to have it all. What will Kate do? She hasn't told Carmel about Bill's job loss and she's too proud to admit that they're in trouble. But Carmel has a secret of her own ...