Times are tough for Julia Stonecypher (Olivia Newton-John) and her family. A widow with two young daughters, Julia has struggled to keep up financially. To make matters worse, she loses her job just days before Christmas. So when Brian Harding (Gregory Harrison), an upscale banker from the city, comes to collect on her outstanding bills, Julia is unable to pay. After informing her that she will lose her house, Brian takes off into the snowstorm, but doesn't make it far. When he crashes his car and injures himself, Julia allows him into her home despite his surly attitude. But as they wait out the storm together, Brian seems to have a change of heart and it looks as though this might be a merry Christmas for Julia after all.
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