Keep your head down and don't borrow trouble is the motto Joni lives by, and so far it's seen her family through some tough times. It's not as if she has the power to change anything important anyway. Like Dad's bad back, or the threat of losing their house.

So when Annabel breezes into her life, Joni's sure they're destined to clash. Pretty, poised, privileged - the daughter of the richest family in town must have it easy. But sometimes you find a matching spirit where you least expect it. Sometimes love can defy difference. And sometimes life asks you to be bigger and braver.