The girls in The Saddle Club are making their New Year’s resolutions. That’s the easy part. Keeping them will be another matter! Can Stevie really be nice to Veronica diAngelo for a whole month – especially when the snobby girl is busy showing off all the expensive loot she got for Christmas? Can Lisa learn embroidery to make her mother happy? And how can Carole give up junk food when her dad is always making delicious buttery popcorn? To keep themselves on the right track, the girls have made a bet. The first one to waver from her resolution must pay a price – and it won’t be pleasant!