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 old-fashioned girl he believes her to be.