When the actual story of the novel begins, Scrooge has in fact reached his goals and become a wealthy businessman. He stepped on a lot of toes to get to where he was, but was still unkind to people despite the fact that he possessed the money that he thought would bring happiness.

Scrooge's clerk at his firm was a happy, but poor, man named Cratchit. Though Cratchit always did his work, and never asked for much, Scrooge remained frugal with his money and never cut him a break. Cratchit had a whole family, one child who was extremely sick included, but Scrooge hated to even give him Christmas day off. Cratchit still too

k the time to wish Mr. Scrooge a merry Christmas, which led Scrooge to wonder how someone like Cratchit could be happy without having lots of money.

The next ghost, Christmas Present, brought Scrooge to other people's Christmas dinners on that very night. He visited his nephew's home, and discovered that many people did not like him. He visited Cratchit's home, and discovered that Cratchit was living in horrible conditions, but was still happy and grateful for everything he had. The last of the ghosts, Christmas Future, brought Scrooge to a graveyard, where he saw his own tombstone, and no one caring about his death or life.

Scrooge's old business partner had been Jacob Marley, but he had died seven years before the story of the novel begins. Scrooge had an elaborate dream involving Marley along with three other premonitions that began to

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