Tess and Max have lost everything. Well, everything that mattered to them. They've had to move out of their large detached house in an affluent, horribly fertile area dubbed by style journalists as Nappy Valley. They've had to take their daughter out of private school. They've had to close the organic deli and caf that they had borrowed a small fortune to open. And they've had to do all this in fourteen days because Max had not told Tess that they were in trouble until the final demands finally arrived. With their car repossessed and their house rented out, they're forced to move to a rented flat in an adjoining area known to smug Nappy Valley residents as Crappy Valley. Worse, they have to get real jobs when they're pretty much unqualified to do anything remotely practical. 'Money doesn't matter', their friends all say. But money changes everythingincluding friendships. And while their old neighbours are still busy having lifestyles, Tess and Max just want to get a life. Still when you've hit rock bottom, the only way is upisn't it?