When a sale falls through, the ladies find comfort in cleaning out their purses and, in the process, discover all sorts of things. Emerson finds the receipt for her never-worn wedding dress but, because of the store's no-refund policy, is reluctant to ask for her money back. So Lola insists on accompanying her to the store to teach her some negotiating skills -- a must-have in the real estate business. Also, Ava finds a pile of receipts, bringing to light her shopping addiction, and Chloe recovers a phone number from a man she forgot she met -- so she decides to look him up.

Chloe, who lacks the holiday spirit, ends up in a cab accident while rushing to buy a last-minute gift for Ava's toy giveaway. While in a state of limbo, Chloe is escorted on a journey by the three Ghosts of Christmas: Emerson, Lola and Ava -- from her past, present and future -- and they show her how her way of thinking will affect her and those she cares about.