On the one hand, in A Christmas Carol time is, quite frankly, nutso. Scrooge's experiences last one night, but feel to him like several days, and encompass many years worth of emotional crises and reversals. Whew. On the other hand, the story is structured as a race against time with the two ticking time bombs of Tiny Tim's illness and Scrooge's own eventual death as the zero hours that have to be somehow prevented or at least put off indefinitely. So time is both totally stretchable and totally scarce, which only adds to the surreal, chaotic feeling of the story.
The fact that Scrooge goes to bed at two in the morning but then wakes up at midnight of the same night (i.e. two hours before he fell asleep) means that this whole experience is a dream, plain and simple.
Scrooge is much more a hoarder of time than of money. We see him bullying Cratchit over a few minutes of lateness and a day of vacation, but we never see him occupy himself with any actual bills or coins. So the upshot of the novella is to get Scrooge to reexamine the way he spends his time even more than his income.