Willowbury is a quiet New England town, especially festive and picturesque during the Christmas season. Jennifer Taylor owns and operates a shop called Cards N' Stuff. The death of her fiancé, on Christmas Eve the year before, has left her bitter and angry. A few days before Christmas, a mysterious woman named Mrs. Wintergreen stops by Jennifer's shop and offers Jennifer the gift of an adventure. At first, Jennifer refuses. After a violent snowstorm destroys her shop, Jennifer finds Mrs. Wintergreen and, out of desperation, agrees to the adventure. In New York City on Christmas Eve, Jennifer confronts her past, present and future. She falls in love and her life changes forever.