Kerry and her mum have recently moved into new council accommodation in a tower block.

Kerry's dad has recently left them, and Kerry and her mum are forging a new life together.

But Kerry's mum is not the calmest or the most patient of people, particularly when it comes to getting on with the new neighbours. And when Kerry's mum refuses to be intimidated by Ma Lafferty, the local money lender, Kerry finds out that Ma Lafferty's daughter more than takes after her mother A brilliantly topical story tackling the dangers of being in debt.