Budget: Chris can budget fine, he was doing it for years after Bob died. This is why he sold shit and begs for free money-- so he could buy toys after bills were paid up. He doesn't actually need any financial help (unless he gets stupid and refuses to remember he can't bullshit utilities from CWCville). But people are dumb as hell to the point of not being able to see through his lies.
Allowance: When Bob was alive he kept Chris on a leash and only allotted him part of his tugboat due to the fact that Chris was (and still is) irresponsible with his money, like maxing out credit cards and stealing money from him and Barb.
Saving: Chris considers this to be a waste of money. It's not so much alien to him as it is he just refuses to do it; historically he's spent the tugboat as soon as it hits his bank account.
Like him getting disciplined by a cop or a security guard for doing something stupid and then he decides to do something stupider to "get back" at them (like kicking the tires on their segway while they're on it)