Before saying this, Scrooge had asked what it was that the spirit was doing there that evening. The spirit answered that it was there to see about Scrooge's "welfare." Upon hearing this, Scrooge thought to himself that he really would be much better off if he could just sleep through the night without all these interruptions. The spirit seems to have heard this thought when it says "your reclamation then."
So it is there to help him see if he can't do something to help Scrooge rebuild his life, to fix or at least go some way toward fixing all the negative consequences that have resulted from Scrooge's love of money over all else.
Even then, Scrooge is concerned that he is not properly dressed for an excursion the likes of which the spirit urges him to take. He still does not wish to rise from the warm confines of his bed as he cannot yet understand what needs to be "reclaimed" about his life.