Tracey receives an endowment policy for Garth in the post, and finds herself facing a dilemma—should she hand the money over or take Sharon's advice and squander it on herself?

Tracey is shocked to hear that Garth has apparently abandoned pregnant ex-girlfriend Kimberley - "typical male behaviour", according to Sharon. Meanwhile, Dorien needs to get to her boyfriend Richard’s before he returns home to find the malicious answer message she has left him.