Lucy brags to Mr. Mooney about how she's going to avoid debt this Christmas by cutting back on gift giving and getting a small tree. That vow lasts until her trip to the the tree lot when she comes back with huge one. She then pitches Mooney on allowing Jerry's boys choir to perform carols in the bank's lobby, just like they did in Danfield. "Scrooge" Mooney gives in and even sings bass for the choir when one of the boys' voice starts to change. Lucy performs a great bit when the kids start to forget the words to "the twelve days of Christmas."
—Steven.