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聖誕夜，吝嗇的商人史古基先是見到已故合夥人雅各・馬利的鬼魂，隨後又迎來分別代表過去、現在與未來聖誕節的三位幽靈。這些超自然訪客讓史古基看見，他冷酷自私的人生如何影響周遭的人，包括雇員鮑伯・克拉奇一家，尤其是體弱多病的小提姆。面對自己孤獨未來的景象，史古基醒來時已徹底改變。他立刻開始彌補過錯，提高克拉奇的薪資、幫助陷入困境的一家人，並以真誠的溫暖與慷慨擁抱聖誕精神。
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Sitting-room, bedroom, lumber-room. All as they should be. Nobody under the table, nobody under the sofa; a small fire in the grate; spoon and basin ready; and the little saucepan of gruel (Scrooge had a cold in his head) upon the hob. Nobody under the bed; nobody in the closet; nobody in his dressing-gown, which was hanging up in a suspicious attitude against the wall. Lumber-room as usual. Old fire-guard, old shoes, two fish-baskets, washing-stand on three legs, and a poker. Quite satisfied, he closed his door, and locked himself in; double-locked himself in, which was not his custom. Thus secured against surprise, he took off his cravat; put on his dressing-gown and slippers, and his nightcap; and sat down before the fire to take his gruel.