General: Learn from others' mistakes (Marley), be grateful.
Past: Learn from your mistakes
Present: Change yourself and change the world... for the better
Future: Leave a legacy
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Don't be a humbug! appreciate Christmas and what you have don't be like scrooge and just think about the profits, remember he once had a love but he lost her because he was just thinking about the cost of the wedding etc.
There are several moral lessons, but one of them is to be generous and love the people around you. Another is that we forge our own chains in life... our mistakes and regrets will weigh us down if we don't try to correct them. Another is to take care of family, and spend time with them, because they are one of the most important things that we have.
greedy people who only care about wealth
lose sight of the precious things in life.
The the charitable attitude shown by many at Christmas can and should be shown throughout the year and not just at this time