@LauraA First, this is a beautiful illustration! I love the wall paper, and furniture design, and the characters are very expressive. The effect you used on the ghost woman is great. It's clear that she's a ghost, and she looks ethereal.
Here's what I see:
An old man was sleeping & just woke up with a ghost beside him. I thought, "Wow, he must have done something terrible to her!", because the ghost seems very vengeful. She is about to attack him with scissors (that are real, not ghostly).
The young woman on the right seems to be a maid or caregiver. It's hard to tell what is in her hands, but the one behind her back might be a medical syringe? So maybe the man is hallucinating? But I think she's looking at the ghost, so I think the ghost is real and the man is in danger, unless the girl can stop the ghost.
It's good storytelling, even though I can't tell exactly what is going on. It makes you want to hear more of the story.