Kelly and Chris, the owners of Fox Creek Farm, agree to keep Snowflake, an abandoned horse, after friends Emily, Anna, and Mandy volunteer to help care for him, but when it starts to get cold, the girls try to find a way to earn money to buy a warm blanket to protect the horse who is having to live in the open paddock.

Emmy has just moved from the country and had to leave her beloved horse behind, but Belle, an American quarter horse on which she takes riding lessons, helps her to get used to the noise and bustle of big city life.

Grace begins her riding lessons with a Welsh pony called Fancy.