The Tinker's Girl by Catherine Cookson 

Book Description (see Amazon or Librarything for customer reviews etc):

In the 1870s, Jinnie Howlett is offered a position as a maid to the Shalemans at Tollet's Ridge Farm near Cumbria, enabling her to escape the workhouse. She meets Richard Baxton-Powell, and Jinnie, thrust into womanhood, also realizes that her maturity stems from life with the Shalemans.

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