Holly is a struggling jewelry designer who is on the verge of closing her business when she discovers a charm bracelet on the streets of New York City. Determined to find the owner and return the bracelet, she teams up with investigative reporter Greg who sees the story as his big break. As they follow the clues left by the bracelet's charms, Holly and Greg begin to develop feelings for each other.
With Christmas Eve fast approaching, the clock is ticking to return the bracelet before it's too late. Along the way, they encounter a diverse cast of characters who may hold the key to the bracelet's owner, including a troubled teenager who is struggling to connect with her mother and a kind-hearted homeless man who may have seen something.
As Holly and Greg get closer to their goal, they must navigate their growing attraction to each other while dealing with unexpected setbacks. But with each other's support, they remain determined to find the owner and return the charm bracelet in time for Christmas. In the end, their efforts pay off as they discover the true meaning of the holiday season and the power of kindness and compassion.