The final scenes show us Belle, Scrooge's ex-fiancée. Scrooge is now in the prime of life. His (reasonable) fear, when younger, of being poor has now become an unreasonable love of money. Belle releases Scrooge from his engagement because she can see that he no longer loves her. He has not asked her to break the engagement but does not object to her decision. Another glimpse of Belle follows. Some years later - seven years before the present, she sits with her daughter. (At first Scrooge thinks the daughter is Belle, but she is now older. She has other children, too. Her husband tells her how he saw Scrooge that day, working alone in his office, while his partner, Marley, was lying "upon the point of death". Scrooge contrasts his life with hers and her husband's. While they have a happy Christmas together, he is working alone. They are not wealthy as he is but not poor financially. In other ways they are far richer than he. Scrooge thinks of how good it would be to have a daughter like Belle's to look up to him.
2nd ghost
This spirit is the Ghost of Christmas Present. It is a great giant, dressed in a green robe (a little like a green version of our Father Christmas) and surrounded by piles of food.
This spirit shows Scrooge how Christmas is celebrated by his clerk's family, by strangers near and far, and by his nephew, Fred. The spirit carries a torch and everywhere it goes this torch sprinkles incense or water on people and makes them become kinder to each other.
Scrooge has never been to Bob Cratchit's house. Here he sees how the Cratchits, despite being very poor, can be happy at Christmas. Bob and Mrs. Cratchit struggle because their family is large: there are six children. (Martha, Belinda, Peter, two unnamed "young Cratchits", and Tiny Tim.) Scrooge sees how frail Tiny Tim is, and asks the Spirit if he will live. The ghost tells him that unless something changes in the future, the child will die. When Scrooge protests he is reminded of his words earlier (Stave 1): "If he be like to die he had better do it and decrease the surplus population".
The ghost takes Scrooge magically to places outside London: he sees a family of miners in a hut on a barren moor, two lighthouse keepers and sailors on a ship: all know what day it is and celebrate it as far as they can. All of them are made more aware of other people and feel more kindly towards them because it is Christmas.
Fred (Scrooge's nephew) is having a party, and Scrooge is brought by the spirit to see and hear it. Scrooge's nephew explains that Scrooge is to be pitied, not despised. He is rich but his money does him no good, and, as Fred says, "his offences carry their own punishment". The guests play a guessing game, to find the identity of a thing, in which questions can be answered only with Yes and No. Everyone is amused when Fred's wife's sister guesses that the mystery object is Scrooge.
The chapter has a strange ending. The spirit ages and shrinks as midnight draws near (because he lives for, and represents, one year only - he has had more than eighteen hundred brothers). Now Scrooge sees, under its robe, two horribly dirty and ugly children. The ghost tells him that they are not his but "man's" and that "This boy is Ignorance this girl is Want". Scrooge is told to beware of them both. When he asks if nothing can be done to help them the ghost again quotes his earlier words: "Are there no prisons? Are there no work-houses". He feels deep shame, as the ghost disappears, and he sees, coming towards him, the last of the spirits.
3rd ghost
In this chapter Scrooge is again taken to places he does not know. The spirit is more like the kind of ghost we meet in conventional ghost stories. It is a hooded phantom, its face is unseen and it points at things but does not speak.
We are puzzled by a group of wealthy men, discussing someone who has died. This person seems very unpopular. In another poor and squalid part of London a pawn-broker, Old Joe, buys stolen property from three people: a laundrywoman (Mrs. Dilber), a charwoman (a cleaner) and the undertaker's assistant. All these poor people have taken things from the dead man - even the curtains from his bed and the shirt off his back.
Scrooge asks to see some "emotion caused by this man's death". He sees two scenes. First, a young couple who owed the man money. The wife (Caroline) fears they are ruined but her husband says there is hope now their creditor is dead. The debt will be transferred to someone else, but no-one else could be so merciless as the man who has died.
Next Scrooge returns with the ghost to the Cratchits' home. They too are talking about death and preparing for a funeral. They all try hard to comfort and support each other. It becomes clear that they are grieving for Tiny Tim, who has died. He is to be buried in a beautiful green churchyard. Bob comes home from work and goes to sit with his son, who has obviously only just died.
Scrooge is horrified but still has to learn the identity of the mysterious dead man. He is shown to an ugly churchyard "overrun by grass and weeds" in the town, and here sees on the gravestone his own name. He realizes (the reader has already guessed) that he is the man about whom the others were talking.
Scrooge begs the spirit to tell him whether he has seen what will be or what may be only. He thinks the spirit is showing pity to him and promises he will change.
