Every Halloween the Bailey triplets have a ten dollar pumpkin carving contest. Betty is a saver and always has money and Bobby always saves about a third, but Betsy spends all of her money almost as soon as it hits her hands, so she never has extra to spend. The amusement park field trip is right around the corner and if she doesn't have ten dollars to contribute, her mother won't let her go. She is desperate to win with her black cat pumpkin, hoping it will beat Bobby's mummy and Betty's princess pumpkin. When Halloween night comes, they dress in their costumes and take their treat bags to the school fair. The next day their mother asks each of them for field trip money and moneyless Betsy has a serious dilemma.