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- Thirty-five year old Nicola works as an office temp earning $23,000 a year, but her real passion is performing as a singer on which she makes no money since she has never done anything to work toward it. It's that celebrity lifestyle to which she aspires, eating out at the best restaurants four to five times a week, shopping for the best clothes, sparing no expense on beauty treatments, traveling on a whim, taking taxis everywhere no matter where she goes, and racking up cell phone charges higher than her rent payments. She gets an adrenaline rush from spending. How has she managed all this with her income?: Steven. Her ex-boyfriend, he pampered her, she recently having left him when he decided no longer to fund her spending, which was to the tune of $12,000 per month, although she left with his Blackberry among other items according to Steven. Although Steven is no longer in her life per se, he is still part of the process with Gail which may affect how Nicola deals with the six weeks with Gail. Nicola has a large uphill climb with Gail as a woman who has few true life skills, who doesn't take criticism well, especially on those things which she believes she is an expert, and who has a strong sense of entitlement.
- One of the older of ten siblings, thirty year old Kirsten feels like it is her time to pamper herself seeing to all the years that she spent being older sister in taking care of her siblings when they were growing up. Formerly an executive assistant, she has just lost her job in downsizing. While waiting for her severance check the equivalent of six months salary, Kirsten continues to spend while going back to school at teacher's college, with her heart not seemingly fully embracing the fact of going into the teaching profession. Kirsten does not realize the burden she is now placing on others. Julianne, one of her sisters with who she is living, is always worried that Kirsten will not come up with her portion of rent on time, placing Julianne at risk. Kirsten relies financially on her boyfriend Sean, who does not want to have to take care of Kirsten above what he sees as two bigger priorities in his life: his two children. Not including what Sean has spent on her, Kirsten is $49,000 in debt, most racked up in the span of one year. Gail wants Kirsten to learn how to cook, as she eats out three times a day because she doesn't have this skill. Gail has her evaluate her career goals in part by going through career counseling. And Gail wants Kirsten to try and return to the nurturing nature she displayed when she was growing up. An incident early in the process may be the defining point in Kirsten's journey.