Kate is finding it hard to come to terms with her husband's unemployment. She and Bill are finding it tough to make ends meet and they don't have enough money for the children's Christmas presents. Then Kate's old friend Carmel phones to arrange to visit. What will Kate do? Carmel is rich and glamorous and seems to have it all—and Kate is too proud to admit that she and Bill are having problems. But Carmel has a secret of her own...