An element that I can relate to in the book is the concept of family. Family isn't important to Ebenezer yet his nephew tries so hard to love him and get him to join the family to celebrate Christmas. He in a sense shows unconditional love for his uncle.
It seems that in most families there is that one person who doesn't want to participate in family gatherings, yet you still love that person and always give them an open invitation even though you know they will not come. You just have that desire that someday they will change their mind.
There are many characters in the book. Just look at each one individually and you will more than likely be able to relate to most of them in some small way.
First you need to choose something in the novella to which you can relate. Is there anything that brought back a memory to you when you read it? For example, does your family do anything during the holidays to help the poor? Or are you involved in some sort of organization that donates food during the holidays? You could relate this to the story. Scrooge, of course, does none of these things at first, thinking only of himself and saving his money. But at the end, he gets "scared into the Christmas" spirit by the ghosts, so he changes his way and becomes a huge philanthropist. You could explore that angle.
You might also choose one of the characters. How about the nephew, Fred, who is a happy-go-lucky guy and tries to have a good time during the holidays in spite of his sour uncle, who turns down his invitation. Perhaps you have some relatives you would not like to be around over the holidays, but you suck it up and do so anyway for the sake of your family?
Or perhaps you could choose Bob, who is a hard worker, but loves his family, and his family is more important to him than his job.
Or, maybe you know someone like Scrooge?
Hopefully, this will give you some ideas. See the link below on enotes for more help getting ideas.