Sheila Haddon's husband died eighteen months ago, sans life insurance, leaving her with nothing but cherished memories and a hefty mortgage on 'No. 20'. Now Sheila and daughter Monica are faced with the awful prospect of having to sell their beloved family home. The soft-hearted but independent Sheila doesn't relish the thought of calling on the help of old family friend Richard Beamish perhaps lodgers will prove the solution to her predicament?