It’s almost Christmas, and The Saddle Club is busily preparing for an exciting show. But part of their preparation involves raising money — a lot of it! When Lisa realizes that Carole and Stevie are having a hard time coming up with the cash, she takes matters into her own hands. But at the same time, Carole and Stevie are secretly plotting to help each other. Will The Saddle Club be able to fix their fund fiasco in time for the show?

Meanwhile, a winter storm is brewing that may give the girls even more trouble. When things get rough, The Saddle Club must pull together more than ever, and prove that the strength of friendship can get them through even the toughest times.