Financhu Crisis

The Financhu Crisis is a term coined by users from Kiwi Farms to describe the steep decline in the Chandler family's financial management beginning in early 2016.

Signs of the Chandlers' worsening finances were made apparent by the increasing amounts of begging videos and donation requests on YouTube and FaceBook.

Given that Barb is elderly on a fixed income, and Chris is lazy on a fixed income, one could only bleakly speculate what will happen when Chris is eventually left to fend for himself once Barb is no longer around.

Summary

To this day, the Chandlers' financial woes are caused by their own irresponsible behaviors. Chris, learning absolutely nothing over the years, has squandered any available money on children's toys, video games, fast food, and sex toys. Barb, on the other hand, has simply been ignoring long-term debts and letting them pile up to alarming amounts.

Chris has made some half-assed efforts (but efforts, nonetheless) to generate some income for the household over the past few years, which included opening an Etsy shop and selling various possessions on eBay. The Etsy shop (started in 2015) proved to be a somewhat successful venture for Chris, as he made a fair amount of revenue out of butchering Nintendo Amiibos into makeshift Sonichu merchandise. These efforts would eventually be for naught, as Chris immediately spent the profits on expensive Lego sets as soon as he got the money. His Etsy shop eventually got shut down when he began to not fulfill new orders for months on end, likely due to him finding more interest in shameless begging for money online in return for nothing. He then started listing a few items on eBay (demanding ridiculous prices), but achieved little profit with only managing to sell a rare Pokemon card or two. Chris has found some new success in acquiring donations from all of that e-begging, but like the profits from the Etsy store, the money immediately gets blown on toys and games.

Barb seems to have outstanding debt that would appear to dwarf Chris' financial handiwork. As of September 2016, she faced lawsuits from Discover Bank and Capital One for failing to pay the large amounts of her credit card debt, according to Virginia District Court records. It is worth noting that it takes a lot of ignored debt collector calls over a long period of time to get a simple credit card debt escalated to a lawsuit, suggesting that Barb may have been outright ignoring making any payments to her credit cards. Only time will tell if more creditor companies begin to sue Barb for her neglect. In August 2016, Chris revealed that the household is still under a mortgage of $115,000, introducing a far more worrying debt looming over the horizon.

Both Chris and Barb continue to barely stay afloat with their lives thanks to their own tugboats, but their lavish lifestyle of reckless spending will not last forever at this rate.

Despite it all, Chris has not once attempted to find a job.

Outstanding Debts

This table summarizes various unpaid debts charged to credit cards and other owed amounts between Chris and Barb over the course of the "Financhu Crisis". Keep in mind that these are only amounts found by Christorians via Chris' Facebook posts and Virginia District Court public records. The Chandlers could likely be in deeper debt than we know.

Date	Item	Amount
1 March 2016	PS4 purchase (with credit card)	$540.00
16 March 2016	Discover Bank court case	$4,706.93
31 August 2016	Mortgage (revealed on Facebook)	$115,000.00
14 September 2016	Capital One court case	$15,906.99
Grand Total		$136,153.92

2016 Timeline

March

• 1st - Chris buys a PS4, worth $540, from Fingerhut (using a credit card).
• 16th - Barb is found guilty in a debt case involving Discover Bank. The judgement states that she owes $4,706.93.
• 19th - Chris spends $425 on a single Lego set.

April

• 12th - Chris begs. This video is notable for being the first video devoted to asking for money.
• 24th - Chris begs again, this time without offering crafts in exchange.

May

• 4th - The donations listing on Chris's Etsy shop is removed, presumably for violating TOS.
• 9th - Chris spends $60 on his waifu.
• 23rd - Chris begs for bananas. He also announces the debut of a Support button on his Youtube channel to replace the Etsy listing.
• 25th - Chris begs in a Facebook post while reminding readers that Etsy removed his donation listing and that he has a Support button on Youtube instead.
• 26th - Chris begs on Facebook, links to his game stream of Uncharted and repeats his statements from the 25th.
• 28th - Chris spends nearly $100 on Transformers.
• 29th - Chris spends another $30 on his waifu.
• 31st - Chris spends $150 more on Transformers.

June

• 8th - Chris's Etsy shop is closed, presumably for failing to send orders.
• 11th - Chris begs for money in the same video in which he announces that his shop is closed. Starting from this video, Chris adds his begging to the video descriptions.
• 14th - Chris begs to have $100 for Barb's asthma medicine, in two videos which feature Barb.
• 17th - Chris begs to have $200 for an electric bill, while reading a fanfic called "Unicorns, Rainbows, and a Bluebird of Happiness".
• 19th - Chris begs, again saying he wants $200 for an electric bill, and also wanting food money, while reading another chapter of Bluebird.
• 19th - Chris wants to become a prostitute, in an attempt to get both money and china.
• 26th - Chris begs his half-brother Cole Smithey for financial help, while simultaneously insulting him for "pissing and burning" the money he earns from working as a movie critic on apartment rent.
• 29th - Chris begs, saying that even though he got donations, he wants more because "we could still do better," before reading the third chapter of Bluebird.

July

• 1st - Chris pays his $541 court costs for pepper-spraying a Gamestop employee in 2014.
• 8th - Chris begs while reading chapter four of Bluebird.
• 9th - Chris begs in a long rant, saying he is stressed from dealing with finances. He mentions a mortgage among the bills. He wants food money for himself, Barb and their pets.
• 10th-11th - Chris begs in a series of four videos, wanting $20 or $50. He demeans himself on camera to get people to donate. Finally, he thanks people for sending the "minimum $20" before begging to have money for Barb's teeth.
• 13th - Barb begs to have money for her dental work.
• 13th - Chris finally decides to sell some of his toys to raise money. He lists one Pokemon card on eBay for $50.
• 14th - Chris lists two more Pokemon cards on eBay, for $100 each.
• 15th - Chris begs for food money in a Facebook post, complaining that people aren't willing to donate anymore.
• 18th - Chris begs for money in the same video in which he reads an anniversary dedication, while expecting to be paid $50 for it.
• 18th - One of the $100 Pokemon cards Chris listed on eBay is sold.
• 20th-22nd - Chris produces eight videos to earn money from his fanbase.
• 23rd - Chris returns to begging on Facebook. He also announces that "this window is for Donations Only. No video requests until further notice," after his Youtube account receives its second strike against it for violating policy on "nudity or sexual content" after a video he uploaded on the 22nd got reported. He also begs to a Kiwi Farms user named crayolasword who asks him about the situation.

• 

• 24th - Chris announces on Facebook that he has grown a labia using subliminal frequencies found on Youtube. He also requests donations for gender reassignment.
• 26th - Three days after being barred from uploading videos to his CwcvilleGuardian Youtube account, Chris circumvents the ban by uploading to another account, restarting the Paid Video Requests program and accepting offers for $10-$50.
• 28th - Chris makes one sale on the video program.

August

• 

  Capital One Bank vs Barb

• 

  Chris fined - No county dog tag 2

• 

  Chris fined - No rabies certificate 2

• 4th - Barb is sued by yet another bank. The hearing will take place on September 14th.
• 5th - Chris pays $121 in court costs and fines for failing to acquire proper certifications for his dogs.
• 5th - Chris begs for donations in a Facebook post and asks for tubes of Oestrogel to be sent to him.
• 9th - Chris relists the Birthday Pikachu card on eBay for $500 and begs people to "Buy It Now and help me and my family." He also offers a VHS tape of Aladdin for $3,000.
• 11th - Chris begs Cole Smithey for financial help again, this time by saying, "Hey! Cole!!! Get off of your ass and apologize and make peace with us here, In Person, and Help Us Financially, Please."
• 31st - Chris begs his audience on Facebook to pay his mortgage of $115,000.

September

• 

  Capital One Bank court ruling.

• 12th - Chris is spotted and photographed at a Toys "Я" Us buying two tins of Pokemon Cards, two days before his mother goes to court.
• 14th - Greene County's court rules that Barb owes $15,906.99 in unpaid debt to Capital One bank.
• 19th - Chris begs in a Facebook post, while showing off his new pet cat. He wants money to cover bills for the second half of the month, one paragraph after stating that he needed "allowance fun" to get a break from stress in the first half of the month.