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The movie kicks off with Read Along Michelle. She runs a YouTube channel where she reads books. She’s a big dreamer and definitely a glass-half-full type of person. Her sister, Keri, is struggling right now and is going to lose her house come February. Michelle is looking for ideas and gets inspired when she comes across the story of a kid who traded a rubber band for a house over the course of two years. She shares it with her sister, and Keri’s like, “I don’t have two years.” Michelle is like, “I can do it by Christmas!” Keri’s like, “Knock yourself out. Good luck out there.”

Michelle decides to start with a stocking instead of a rubber band. She posts about it online, signing it as Trading Up Christmas.

A struggling journalist named Dan finds out about Trading Up Christmas and wants to write an article about it. So he reaches out, but Michelle says she’s not interested in free press. Who would be? Not us, that’s for sure.

So, Dan decides to trick her into meeting by contacting her about a trade, which she accepts. He pitches the article one more time. But she ain’t having it. Until she is.

They begin to work together to trade up. Dan becomes very invested. They trade a sweater for an eggnog-tasting certificate, eggnog for a wreath, wreath for a crazy animatronic Santa, and then the big one… Santa for a snowmobile! Snowmobile for a trip to Hawaii. Things are going great. And the sparks are flying between Michelle and Dan.

Then they get the BIG trade – the trip for an RV. And you can trade an RV for a house.

Dan has a brother, Jack, who is a very successful real estate agent, and he finds a house that may be up for trade.

But things start to go wrong. The house falls through, and then Dan’s editor decides to publish names and pictures of Michelle and her sister, even though Dan promised they’d stay anonymous.

Dan and his brother find another house, and they make the trade happen, thanks to their dad also getting in on the action and trading his new sailboat.

They surprise Michelle with the house, and then Dan tells her how he feels. They kisssss.

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So it's 1998, and Regina is by herself, desperate for her kids to come visit. Luckily, her friend comes by just in time to see the sink explode, so she calls a handyman.
In 1960, Eli and Penny are getting ready for Christmas. Eli is very stressed because his dad is staying with them, and he's less than thrilled, though he freaking looks great. Eli is the author of a bestselling book, but his dad is not impressed. Eli's son just wants him to help finish the time capsule.
Then in 2015, Jessie is helping her sister plan her big Christmas wedding. Beth is getting nervous, though, and it keeps getting worse. Her fiancé calls and says the business that was handling everything just went out of business. But Jessie is confident: "We can definitely do this!" Then the bad news keeps coming. Jessie's ex-boyfriend Tim is the officiant, and the wedding is going to take place in her backyard.
So Regina's whole thing is that the handyman shows up and just kind of sticks around. It's Nelson, her future husband, but for now he's just the handyman who is sticking around. However, he doesn't know anything about pipes, which is a problem.
Eli and his son are working on the time capsule, but Eli's dad is very grumpy about it.
And Jessie and Tim just kind of have to keep being around each other.
Ultimately, everything works out. Eli and his dad have a heart-to-heart, and they finish the capsule and bury it in a titanium box.
That box is what led to the tree root hitting the pipe that burst in 1998. They end up finding the box and open it up and yay for them.
And Jessie and Tim had their one and only date locked in the school gym in 1998. In 2015, they finally make up, and the wedding is great. They end up kissing, and everyone has a happy ending.

Follows Andie, who runs a decorating company with her mother. After her mother's passing, Andie navigates her first Christmas alone while trying to find love.

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