Caro’s Gift by Jean C. Gordon

Friendship, memories and wishes are powerful things and in the small town of Snowflake, Colorado they combine to form a memorial to a lost friend. Following her death, Charity Hart left six of her close high school friends, including Caro Price, fifteen hundred dollars each and an assignment to use that money to grant someone else’s secret wish by Christmas.
Temporarily back in Snowflake to help her beloved grandmother recover from an illness, nurse practitioner Caro is on the hunt for a recipient for her secret angel gift. A chance encounter in a specialty store focuses Caro’s interest on a red-headed little girl fascinated by a nativity scene.
Caro’s grandmother has matchmaking on her mind as she pushes Caro and her neighbor, Simon Novak, together. It turns out that Simon coaches the little redhead’s older brother at the high school. With Simon’s help, Caro tries to learn more about the family and it quickly becomes apparent that the widowed mother and her two children are struggling financially. But is there more going on than meets the eye, for Caro sees flashes of fear in their eyes.
Christmas is the season of wishes, and Caro, with God’s guidance, is determined to make one little girl’s dream a reality! And, maybe, just maybe, fulfill a dream of her own!