JJ has another money-making idea. He starts a greeting card business and has the whole family involved in making up messages. He has the business plans are laid out, but does not have the financing.

Willona worries over whether or not she will be able to adopt Penny. Meanwhile, a well meaning, Bookman, tries to help out by telling the social worker, that he's married to Willona, this only makes things worse when the social worker learns the truth.

After getting her wallet stolen, Penny steals a necklace from a department store in a desperate attempt to try to get Willona a Christmas gift. However, Penny's attempts may lead to Willona losing custody of her.