Carole blames herself for the erratic performance of the new racehorse. Veronica is distressed when her father informs her that they are no longer rich.
The riders have to ride in pairs in the Cross Country Challenge and the two odd girls out, Carole and Veronica, pair up. A new girl, Tracey, causes dissension between Melanie and Ashley.
When Veronica is forced to work under the supervision of Stevie at the stables for her horse’s board, she decides to sell Garnet. Once the sale is made, Veronica bitterly regrets this decision and the Saddle Club feel sorry for her.
The bank is foreclosing on Pine Hollow and the Saddle Club organize a rummage sale to help the Regnerys with unexpected consequences.
