Stave 1 takes place in Scrooge's house. The characters in stave 1 are Marley's ghost and Scrooge. In stave 1, Marley comes to warn Scrooge of the consequences of his actions.
The setting in Stave 2 is around town where Scrooge used to have fun when he was young. Main characters in stave 2 are the Ghost of Christmas Past and Scrooge. The Ghost of Christmas Past takes Scrooge back in time when Scrooge didn't only care about money.
Stave 3 takes place in Bob Cratchit's house and Scrooge's nephew's house. The main characters are Scrooge, the Ghost of Christmas Present, Bob Cratchit, and Scrooge's nephew. In stave 3, the Ghost of Christmas Present takes Scrooge to see how different people celebrate Christmas.
The setting of stave 4 is at the graveyard visiting both Scrooge and Tiny Tim's graves. Stave 4 includes The Ghost of Christmas Yet to Come. The Ghost of Christmas Yet to Come tells Scrooge that Scrooge will die alone and Tiny TIm will die if Scrooge doesn't do anything about it.
Stave 5 takes place mostly at Bob Cratchit's house. Scrooge tries to fix his ways so he saves himself from eternal punishment after death.
The theme of the story is to not be greedy and apprieciate what you have.