“BEGONE you Ghosts of Christmas Past!”
“There’s a NEW Doctor in town, Scrooge… AWAY with you!”

Created using DAZ Studio 4.10 (64bit) on a Dell Alienware Aurora R7 with 16Gb RAM and an NVIDEA GEForce GTX 1080, running Windows 10 Pro.
I kept coming back to this as a background task over a couple of weeks, starting with the Scrooge-type characters and their clothing, then adding the snow, followed by the shop-fronts.

I then incorporated various now-defunct Ghost (and other)-related software products and icons (some of which I'd done the design-work for a couple of decades ago!) to include in the shop windows before creating the sign and the ghostly women and their clothing.

Obviously, the original render was full-colour, but I made it look a bit more Ye-Olde by creating a b&w Adobe Photoshop CC 2018 layer, and then 15%-erasing through to the background colour layer and signing.

As I worked on it, I started to imagine a young Doctor Who-type Scrooge banishing the older one, abnolishing him to move aside as his Time was gone!
Well it's kept me off the streets for a while!
Bah Humbug!
But MERRY CHRISTMAS Everyone!