A Spirit of Christmas

This book really started out slow for me and was a little difficult to get into.  It was about a woman named Keti who was visited by the "ghosts" of Christmas past, present and future.  All of the "ghost" were people who had been in her life when they were alive.  She is made to take stock of her life and see what she had become which was a very hard and cold person.  She does make some changes in her life and she becomes a lot nicer person.