Take a trip to the charming little town of Heart Lake, and meet three best friends who you'll never forget...

Rachel, Jessica and Tiffany have money problems--major money problems. Tiffany's whipped out the plastic one too many times, and now a mountain of debt is about to come crashing down on her. Jessica's husband lost his job--thrusting this longtime stay-at-home mom out into the cold, cruel workforce. And Rachel's divorce has transformed her from an upper-middle-class mom to a strapped-for-cash divorcee. What are three best friends to do?

Get financially fit, that's what! Together, Rachel, Jessica and Tiffany start a financial support group called The Small Change Club--challenging each other to bring balance back to their checkbooks, and their lives. Even though frugality is a lot harder than they ever imagined, these women are about to learn some very important lessons: that small changes can make a big difference...and that some things in life, like good friends, are truly priceless.