Nell gives Addy a loan to buy a new dress to attend a gala event, knowing that she will pay her back in no time at all. As time passes, people in the building begin to take advantage of Addy, and ask her for money which she does give them. Everyone tells Nell that Addy is a saint for giving them money when they need it, but Nell is mad that Addy has not paid her back the money she borrowed from her. Nell goes to Marty for advice, and he insists that Nell makes a contract, but she gets mad and rips it up. In the end, Addy finally does repay Nell the money she loaned her.