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 Beaming - perhaps lodgers will prove the solution to her predicament?