Orphaned Ruth Sheldon reads an article on Love Charms on her way to live in the home of her Aunt Julia and Cousin Hattie Nast Upon her arrival Ruth is put to work as housekeeper cook and seamstress When Thomas Morgan a young banker is invited to dinner he focuses his attention on Ruth prompting the envious Hattie to claim him as her own To oblige her cousin Ruth attempts to discourage Thomas by behaving like a frivolous society vampire rather than the oldfashioned girl he believes her to be