(Fred: Stave 3) referring to Scrooge, as Fred understands that he is emotionally poor so still deserves sympathy, and this shows that Fred is a kind forgiving character who embodies the Christmas spirit.
"Alwaysadelicatecreature...Butshehadalargeheart!"
(The Ghost of Christmas Past: Stave 2) referring to Fan, the verb "had shows that Fan dies in the future, suggesting this is why Scrooge isolated himself and doesn't spend Christmas with Fred, as she probably dies tin childbirth.
(Scrooge: Stave 2) referring to Mr Fezziwig, and that he is financially rich, but also emotionally rich as he is happy and joyous and share what he has to make others happy as well.
(Belle: Stave 2), Belle broke off their engagement as he became obsessed with money, showing that money has had a negative effect on his life, as it meant he lost Belle.
"This boy isignoranceandthisgirliswant" "... onhisbrowIseethatwrittenwhichisDoom,"
(The Ghost of Christmas Present: Stave 3), the ghost warns Scrooge that if he doesn't change then there will be, "doom".