The Amendolas are broke and homeless with not much to celebrate this Christmas season. But when they run into Joe, a friend from the past, he suggests that his old apartment is available. After conning Joe's landlords, the Dingles, the Amendolas finally have a place to rest their heads...even if they don't have the extra money for a Christmas tree. However, Joe has left behind a furry little friend who can help with that problem. Burrowed in the rafters, Rupert has found Mr. Dingle's stash and is willing to share the cash with the new tenants. But will their newfound wealth be a blessing...or a burden?