Eight hundred seventy-eight dollars. That's how much Ronny needs by January 4th to make to keep his family's only car from getting repossessed. Since a workplace injury disabled his dad and forced the family to move from their home into the apartment complex across the street, Ronny's been learning all sorts of things--like what letters marked with Final Notice means and that banks can take cars away for being behind on payments.

His best friend Josefina Ramos is also counting down until the start of January when her life could change forever--that's when she has her big cello audition at the prestigious music academy Maple Hill. Except she can't play a solo performance without something disastrous happening and no one seems to hear her when she talks about how nervous she is.

As the countdown to the new year rolls ahead, Ronny and Jo learn what can happen to best-laid plans and how to depend on one another and their community when things get tough.