In the year of Queen Victoria's Diamond Jubilee, thirteen-year-old Hetty enjoyed a fairly peaceful life on the sea coast of England. When a relative quanders a large loan made by the Jebbs, an easy year becomes one of constant struggle. Hetty befriends Blanche Verity, a lass from a very wealthy family. At this point, obvious trite contrasts are made over and over again: Hetty's rugged eventful life is constantly compared with Blanche's luxurious dull one. More a book of manners than events, it will not be likely to captivate a very large audience.