Carole, Stevie and Lisa have made big plans for the overnight campout for the students of Pine Hollow stables. When Stevie's parents refuse to pay unless she improves her grades, she decides to start hew own business and raise the money instead.

Stevie is less than thrilled when she discovers that her older brother Chad wants to learn to ride. The members of the Saddle Club--Stevie Lake, Carole Hanson, and Lisa Atwood--are buzzing with excitement. For weeks, they've been planning Pine Hollow Stables's gymkhana, a day of games and races for young riders. Now the long-awaited day is at hand! As the day draws near, Carole introduces the other girls to her new friend, Kate Devine. Carole begins...

Upon learning that their riding instructor is in serious financial trouble, three friends drum up new business for him and arrange a riding demonstration--starring themselves!

Lisa is injured when the horse she is riding stumbles. Can the horse care for her and keep her safe until help arrives?

The Saddle Club is involved in two projects: helping Brittany Lynn find the perfect horse, and taking care of a not-so-perfect horse, Magoo, who is a very demanding guest.

Carole Hanson writes a letter to the daughter of a Middle Eastern President inviting her to come riding at Pine Hollow. She hopes she might get a reply with an interesting stamp, instead she gets security guards roaming the grounds looking for spies. When a real spy shows up, it's the Saddle Club who rides to the rescue.

Stevie, Carole, and Lisa are going to the racetrack, where they'll get to help cool off their friend's sleek thoroughbred racehorses by walking them after the races. They spot an official somewhere he shouldn't be, taking money from someone he shouldn't be talking to. Worse, the official sees them and knows they're on to him, so now they're in danger.