A mother, Ellen, and daughter, Annabelle, find it difficult to get along with each other because of their different views on their own lives and each other's. A pair of magical amulets causes the two of them to switch bodies for a day. Ellen's boyfriend, Bill, drives them both to work where she has to present a new clothing line. She, initially worried about the fact that she has no idea of what to do, goes along with it anyway. Meanwhile, Annabelle has an awkward day at school with her friends and she learns what her daughter's life is really like. Back at her job, Ellen and Bill eventually have an argument (with Annabelle saying how she feels about Bill in her mother's body). He later apologizes to "Ellen" and proposes to her, much to her horror. "Annabelle" then calls and finally is able to convince Bill that they have truly switched bodies. He then realizes why "Ellen" turned him down. A bit later, they rush down to the diving event the school is holding because "Annabelle" cannot swim. After they save her, they switch back and Annabelle and Ellen finally have a new understanding of what the other has to go through.
Among many changes from the original, this version of the story has diving instead of waterskiing as Annabelle's main hobby, which again plays a big role in the film's climax. Also, in the original film (and the book), Ellen and Bill are married and Bill is Annabelle's father, whereas in this adaptation, Ellen is a single mom and Bill is her new sweetheart. It also reveals how they switched bodies.
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