Polly Milton, a 14-year-old country girl, visits her cousin Fanny Shaw and her wealthy family in the city for the first time. Poor Polly is overwhelmed by the splendor at the Shaws' and their urbanized, fashionable lifestyles, expensive clothes and other habits she has never been exposed to, and, for the most part, dislikes. Fanny's friends reject her because of her different behavior and simple clothing, and Fan herself can't help considering her unusual sometimes. However, Polly's warmth, support and kindness eventually win the hearts of all the family members, and her old-fashioned ways teach them a lesson.Six years later, Polly comes back to the city to become a music teacher and struggles with profession issues and internal emotions. Later in the book, Polly finds out that the prosperous Shaws are on the brink of bankruptcy, and she guides them to the realization that a wholesome family life is the only thing they will ever need, not money or decoration.