The girls discover Red’s outstanding horsemanship skills – they always knew he could handle a horse, but they didn’t know he was such a skilled rider. Why didn’t he tell them he could ride like that? Stevie feels badly about neglecting Comanche since she acquired her new horse, Belle. It would be great if Red started riding Comanche! The Saddle Club girls manage to pull Red away from his duties as lead stable hand at Pine Hollow. Against his better judgment, Red leaves Jake to bring in the hay before it rains. Unfortunately, while Red is out riding with the girls, the wet hay in the loft causes a barn fire, putting all of Pine Hollow’s horses in danger. Red, Max and the girls manage to save all the horses, but Max fires Red for shirking his responsibilities. Feeling terrible for dragging Red away when he was supposed to be working, the girls must come up with a plan to get Red back. When the girls discover that Jake was responsible for the barn fire, they work together to prove Jake’s mistake and convince Max to re-hire Red.
Deborah asks the Saddle club to teach her how to ride. Lisa is stuck with Veronica as a houseguest. Max wants to propose to Deborah, but Deborah is dodging Max so he won’t know she’s taking lessons. Veronica takes over Lisa’s room and tells her she’s boring. Max thinks it’s the wrong time to propose. Veronica reads Carole and Stevie the unflattering things that Lisa wrote about them in her diary. Carole and Stevie are hurt. Deborah finds the lessons too difficult and wants to quit, but the girls won’t let her. Lisa reads Stevie and Carole the good stuff she wrote about them in her diary. It makes them cry. Lisa reads the nice things she wrote about Veronica, moving Veronica to rears. Deborah proposes to Max on horseback. They exchange rings.
Based on the series of popular books for young readers, The Saddle Club follows the lives of three aspiring equestrians developing their riding skills at Pine Hollow Stables. Each of the girls has assorted personal baggage: Tomboy Stevie's impulsive nature gets her into constant trouble, Carole rides to overcome a family tragedy, and Lisa is an overachiever with a social-climbing mother. Despite their problems (and the schemes of a spoiled rich rival, Veronica), the girls' love of horses and strong friendship with one another is always enough to help them overcome any obstacle.