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You are here: Home / Save Money / Something you want, something you need – the 4 Christmas gift rule

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Something you want, something you need – the 4 Christmas gift rule

by Naomi Willis · updated 1 December 2025

4 Christmas gift rule ‘something you want, something you need’ – download and use the free printable and start a new family tradition.

Something you want, something you need - the 4 Christmas gift rule

I love Christmas – don’t get me wrong – but is anyone else sick of buying too much stuff that doesn’t get touched?

Sure, our kids love tearing the wrapping paper off, and it’s exciting, but they don’t really like (or need) everything they get.

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Instead, we’ve been looking to focus on quality gifts over quantity.

Do you think this could work for your family?

4 Christmas Gift Rule: want, need, wear, read

santa holding presents

You can use the four gift Christmas rule to help set an idea of what people wish for.

When I was a kid, I have to admit that I loved looking through the toy pages in the Argos catalogue and listing out stuff from every single page.

Did I actually want it? Probably not!

Did I get it all? I don’t remember (although likely not).

What I do remember are individual standout gifts – the one thing I actually wanted and treasured.

This is where the four presents Christmas gift rule might work:

Something you want
Something you need
Something to wear
Something to read

Something you want

The first item on the wish list is the big-ticket item, the hot toy, and the one gift they’d like more than anything.

It’s the thing they are really desperate for and would absolutely love (although it doesn’t have to be the most costly, just the most wanted).

What one thing have they been asking for and really, really want?

Ideas could include:

  • Action figures
  • Favourite character toy
  • Video game
  • Games console
  • LEGO
  • Electronic device
  • Soft toy
  • Board games

Something you need

For a need gift, they’re looking to get something necessary to help them along in some way.

Maybe an item to support a hobby, something for school or learning.

Ideas could include:

  • School supplies
  • Musical instrument/sheet music
  • Sports equipment
  • Art supplies

Something to wear

I think this is self-explanatory.

Shoes, tops, trousers – what would they like to wear?

It’s doesn’t need to be an item of total necessity, but something that suits their style and that they like.

You could look to get them:

  • Pyjamas
  • Slippers
  • Dressing gown
  • Football kit
  • Trainers
  • Coat

Something to read

You’re not just looking to get a fiction book.

There are lots of different kinds of ways to get kids into reading.

Think about:

  • Magazine subscription
  • Comic book/graphic novel
  • Cookbook
  • Biography
  • Poetry book

Sample Christmas wish list

Here’s a sample of the free printable wish list with gift ideas children could ask for.

You can download a blank copy from below.

4 Christmas gift rule example

Will it save you money?

It’s an expensive time of the year, with the average Brit spending £1,116 on Christmas.

According to a YouGov poll, £381.60 of that is on presents alone.

While we talk about saving money on this website, the four gift rule may save you cash, but it’s not necessarily about being ultra-tight.

It’s more about setting criteria for gifts and enabling you to be more controlled and thoughtful with spending.

I have been THE WORST in the past.

I know what the kids kinda want as they draw up lists. But, to try and spread the cost, I would buy random extra stuff throughout the year because I saw it as a bargain.

The gifts turn into another thing that’ll sit under the Christmas tree and make it look festive.

Essentially, for years, I ended up buying stuff that the kids never really touched.

It was a true waste of money.

Using a principle like this for Christmas presents can ensure we don’t waste money, have unnecessary clutter at home, and it saves us from overconsuming.

Related: Can’t afford Christmas? Here’s what to do…

Benefits of a four gift rule

Thoughtful present

For the children, it can teach them about being more thoughtful with what they’d want, reducing the idea of consumerism.

Kids (and adults if they want to make a list) spend time thinking about what they would like to get.

It can also help people buy fewer gifts, such as smellies or random gift sets, that aren’t necessarily wanted.

Equal approach

Do you struggle with this: child 1 has 20 gifts and child 2 has 22, so I need to get more to even it out?

Following a set Christmas wish list rule ensures that everyone gets all the gifts equally.

Less shopping

You might find using a gifting rule reduces stress in the build-up to Christmas as you don’t need to shop as much.

Eco-friendly Christmas

It’s a greener, more eco-conscious way of doing Christmas.

You will cut down on clutter and random things that build up in the home over the year, potentially ending up in the landfill.

(As an added benefit, you’ll save your back from being bent over wrapping up too much stuff!)

Are there any issues with this type of gift giving?

Is the four Christmas gift rule a new tradition that will make the kids happy?

Is it a smart move or outright penny pinching gone too far?

Free want, need, wear, read printable

Want to try out the four gift rule?

Here’s a free printable you can use to help create Christmas lists for your family.

Right-click and save to your computer, or hold and save to your phone.

4 Christmas gift rule

Free want, need, wear, read Christmas wish list PDF download

Download the free printable four gifts for Christmas PDF here.


Are all Christmas gifts from Santa/Father Christmas?

That’s up to you. We give some gifts from us, and smaller, stocking ones from Father Christmas.

What is the 5 gift rule?

With 5 gifts for Christmas, it follows the same principle as the 4 gift rule. The list is:

The usual something I want, need, read, wear and “something to do” added.

This allows for a gift specific to a day out or some kind of family activity.

What is the 7 gift rule?

The 7 gift rule for Christmas extends things further:

Something I want, something I need, something to wear, something to read, something to do, something for me, something for the family.

You could adapt and make your own criteria.

What is the 3 gift rule?

In a simpler way to do minimalised gifting, you’re focussing on something they want, something they need, and something to read.

The idea for the three gift rule potentially came about as a way to mirror the three gifts the wise men gave in the bible story.

Should all children have the same budget?

I suppose that all depends on you. However, I’ve found that childrens’ wants (and needs) get a lot more expensive as they get older.

As a 4-year-old, my daughter wanted a present that looked massive but was relatively cheap vs the teenager whose want was tiny but cost a lot. You may want to factor in some kind of budget per child, based on their age.

What about a Christmas Eve box?

A Christmas Eve box is different to presents under the tree on Christmas morning and could complement/add more gifts, although it’s essential.

It’s given on 24th December and is a box with things such as PJs (you could always get matching Christmas pyjamas to be more fun), fluffy socks, a festive film (or credit token, if you don’t want to get a DVD), a Christmassy book, hot chocolate/marshmallows.

The box gets the family snuggled and relaxed in the evening before Christmas.


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Read next

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  • About
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Naomi Willis
Naomi Willis
Content editor at Skint Dad
Naomi knows the burden of living on very little and became debt free by following her own money saving tips and tricks. She is an expert on saving money at the supermarket and side hustles.
Naomi Willis
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Comments

  1. S.K says

    15 October 2021 at 19:43

    I’ve never actually introduced or encouraged “Santa letter” to my children. Yes sure they have done it in the past because they hear it at school etc but it wouldn’t be something I’d focus on. I really like giving “experience” gifts as it means we get to spend time together.

    • Naomi Willis says

      15 October 2021 at 20:04

      We’ve always asked the children for a list to give to Santa/FC as it helps us with planning, and making sure we’re getting the right things.

      I totally agree about experience gifts. We’ve got experiences for birthdays, although found it harder during lockdowns. I think we’ll be more comfortable from next year to start gifting them again, as it’s a fantastic way to get involved in something new.

  2. Catriona S says

    16 October 2021 at 19:56

    Please not a dressing gown for Christmas unless the recipent has said they really want one, I still have memories of being forced to love the blue nylon monstrosity I got aged ten from my granny! A gft should be a treat you wouldn’t otherwise get, by all means something you need, but let it be something you will enjoy, as well. In fact this goes for gifts that are “for the house” as well – if they are for the house, don’t give them to a person! House maintenance gifts are different from hobby gifts – no-one really has a hobby cleaning. Household needs are not gifts!

    • Naomi Willis says

      18 October 2021 at 10:56

      Ha – I get what you mean, which is why it’s important to gift things people really want/need etc. A list can be really helpful for this. My daughter wanted a dressing gown a few years back, so we got her one, but it’s not the kind of thing we’d need to get her every year.

Ricky and Naomi Willis

Ricky and Naomi Willis, founders and editors of the Skint Dad website.

We know how heavy money pressure can feel, so we share simple, practical help to make everyday money feel more manageable.

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