Dexter O'Reilly is a cold and ruthless businessman who meets, Laura Witherow, a loving and compassionate individual on Christmas Eve. Recently orphaned, Laura faces her first Christmas alone. Taking a wrong turn down a deserted snowy road, she finds herself stranded deep in the Muskoka woodlands. Then, as miracles would have it, she is sent someone to share the holiday with that cold fateful Christmas Eve. True, he might not be old Saint Nick, but he was her very own Scrooge. After their brief and unusual encounter, Dexter hopes never to lay eyes on the woman again. However, eight months later she unexpectedly shows up on his business doorstep seeking financial aid for a homeless shelter she operates after a series of unfortunate events leads her to financial ruin. Dexter scoffs at any charitable organization, as well as his growing affection for the obstinate woman who refused to give up. Laura is determined to conquer the past, the present and even the future to show Dexter that there was more to life than money, and that she was the way to true happiness.