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Wai Chiu has problem to pay back money to Kam On. As the wedding anniversary approaches, he purchase a fake neck chain to his wife so that he can find excuse for the small saving balance remaining in his account. However, Ching Ching finds out and asks for the true story. Wai Chiu makes up a story that Wai Kit has borrowed money from him. At the same time, Wai Chiu sells video tapes on the street at night in order to earn money to pay back Kam On. Wai Chiu sees his wife pass by and quickly hide away. The other hawkers think police is coming. As they know the truth, they beat Wai Chiu. Ching Ching finally knows the whole story and Wai Chiu's monthly salary will be deducted on a monthly basis as to cover the repayment.
