Details about John Gathergood

Access statistics for papers by John Gathergood.

Last updated 2023-09-09. Update your information in the RePEc Author Service.

Short-id: pga544

Working Papers

2024

1. Does Pension Automatic Enrollment Increase Debt? Evidence from a Large-Scale Natural Experiment
   NBER Working Papers, National Bureau of Economic Research, Inc

2023

2. At the Top of the Mind: Peak Prices and the Disposition Effect
   Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham
3. Buy Now, Pay Later (BNPL)...On Your Credit Card
   Papers, arXiv.org View citations (1)
   See also Journal Article Buy now, pay later (BNPL)...on your credit card, Journal of Behavioral and Experimental Finance, Elsevier (2023) View citations (1) (2023)
4. Does homeownership reduce crime? A radical housing reform from the UK
   LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library View citations (1)
   Also in CFS Working Paper Series, Center for Financial Studies (CFS) (2020) View citations (4)
5. Preventing Payments Fraud in the FinTech Era: New Evidence from a Behavioural Experiment
   Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham

2022

6. Attention Utility: Evidence From Individual Investors
   Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham
   Also in CESifo Working Paper Series, CESifo (2020) View citations (3)
7. The Co-holding Puzzle: New Evidence from Transactional-Level Data
   Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham
   Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2020) View citations (1)

2021

8. Covid, work-from-home, and securities misconduct
   CFS Working Paper Series, Center for Financial Studies (CFS)
9. The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data
   Papers, arXiv.org View citations (6)

2020

10. Does homeownership reduce crime? A radical housing reform in Britain
    LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library View citations (2)
    Also in CEP Discussion Papers, Centre for Economic Performance, LSE (2020) View citations (4)
11. How Preferences for Round Numbers Affect Choices: Stickiness and Jumpiness in Credit Card Payments
    Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham
12. Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending
    Papers, arXiv.org View citations (6)

2019

13. How Do Americans Repay Their Debt? The Balance-Matching Heuristic
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (15)
    See also Journal Article How do Americans repay their debt? The balance-matching heuristic, Economics Bulletin, AccessEcon (2019) View citations (15) (2019)
14. Naïve *Buying* Diversification and Narrow Framing by Individual Investors
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (2)
    See also Journal Article Naïve Buying Diversification and Narrow Framing by Individual Investors, Journal of Finance, American Finance Association (2023) View citations (2) (2023)

2017

15. How Do Individuals Repay Their Debt? The Balance-Matching Heuristic
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (3)
    See also Journal Article How Do Individuals Repay Their Debt? The Balance-Matching Heuristic, American Economic Review, American Economic Association (2019) View citations (53) (2019)

2016

16. House prices, wealth effects and labour supply
    CFS Working Paper Series, Center for Financial Studies (CFS) View citations (1)
    Also in Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) (2015) View citations (2)
    Discussion Papers, University of Nottingham, School of Economics (2013) View citations (9)
    IFS Working Papers, Institute for Fiscal Studies (2014) View citations (2)
    See also Journal Article House Prices, Wealth Effects and Labour Supply, Economica, London School of Economics and Political Science (2018) View citations (24) (2018)
17. How Much Is That Star in the Window? Professorial Salaries and Research Performance in UK Universities
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (7)
    Also in Discussion Papers, University of Nottingham, GEP (2016) View citations (8)

2015

18. Do Wealth Shocks Affect Health? New Evidence from the Housing Boom
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (11)
    See also Journal Article Do Wealth Shocks Affect Health? New Evidence from the Housing Boom, Health Economics, John Wiley & Sons, Ltd. (2016) View citations (40) (2016)
19. Financial Literacy, Present Bias and Alternative Mortgage Products
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (5)
    Also in Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham (2015) View citations (5)
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) (2015) View citations (5)
    Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham (2015) View citations (5)
    Discussion Papers, University of Nottingham, School of Economics (2015) View citations (10)
    See also Journal Article Financial literacy, present bias and alternative mortgage products, Journal of Banking & Finance, Elsevier (2017) View citations (49) (2017)
20. Is Poor Financial Literacy a Barrier to Home Ownership?
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM)

2014

21. Credit Counseling: A Substitute for Consumer Financial Literacy?
    IFS Working Papers, Institute for Fiscal Studies View citations (1)
    See also Journal Article Credit counseling: a substitute for consumer financial literacy?, Journal of Pension Economics and Finance, Cambridge University Press (2015) View citations (9) (2015)

2013

22. House Prices, Home Equity and Health
    Health, Econometrics and Data Group (HEDG) Working Papers, HEDG, c/o Department of Economics, University of York View citations (6)
    Also in Discussion Papers, University of Nottingham, School of Economics (2012)

2012

23. Financial Literacy and Consumer Credit Portfolios
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (4)
    See also Journal Article Financial literacy and consumer credit portfolios, Journal of Banking & Finance, Elsevier (2013) View citations (109) (2013)
24. Financial literacy and consumer credit use
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (2)
25. Self-Control, Financial Literacy and Co-Holding Puzzle
    Discussion Papers, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham View citations (2)
    Also in Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) (2012) View citations (4)
26. Self-Control, Financial Literacy and Consumer Over-Indebtedness
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (129)
    See also Journal Article Self-control, financial literacy and consumer over-indebtedness, Journal of Economic Psychology, Elsevier (2012) View citations (153) (2012)
27. Unemployment Expectations, Credit Commitments and Psychological Health
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM)

2011

28. Debt and Depression: Evidence on Casual Links and Social Stigma Effects
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM)
29. Financial Literacy ad Indebtedness: New Evidence for UK Consumers
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (31)
30. Racial Disparities in Credit Constraints in the Great Recession: Evidence from the UK
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (4)
    See also Journal Article Racial Disparities in Credit Constraints in the Great Recession: Evidence from the UK, The B.E. Journal of Economic Analysis & Policy, De Gruyter (2011) View citations (4) (2011)

2010

31. The Consumer Response to House Price Falls
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM)
32. The Social Dimension to the Consumer Bankruptcy Decision
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM)

2009

33. House Price Volatility and Household Indebtedness in the United States and the United Kingdom
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (3)
34. Income Shocks, Mortgage Repayment Risk and Financial Distress Among UK Households
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (17)
35. Income Uncertainty, House Price Uncertainty and the Transition Into Home Ownership in the United Kingdom
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM)

2008

36. Housing Wealth, Liquidity Constraints and Self-Employment
    Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) View citations (8)
    See also Journal Article Housing wealth, liquidity constraints and self-employment, Labour Economics, Elsevier (2009) View citations (57) (2009)

2006

37. Housing Wealth and Household Indebtedness: Is there a Household 'Financial Accelerator'?
    Working Papers, Czech National Bank View citations (15)
    Also in Discussion Papers, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM) (2006) View citations (13)

Journal Articles

2023

1. Buy now, pay later (BNPL)...on your credit card
   Journal of Behavioral and Experimental Finance, 2023, 37, (C) View citations (1)
   See also Working Paper Buy Now, Pay Later (BNPL)...On Your Credit Card, Papers (2023) View citations (1) (2023)
2. Estimating carbon footprints from large scale financial transaction data
   Journal of Industrial Ecology, 2023, 27, (1), 56-70
3. Naïve Buying Diversification and Narrow Framing by Individual Investors
   Journal of Finance, 2023, 78, (3), 1705-1741 View citations (2)
   See also Working Paper Naïve *Buying* Diversification and Narrow Framing by Individual Investors, NBER Working Papers (2019) View citations (2) (2019)

2021

4. The association between gambling and financial, social and health outcomes in big financial data
   Nature Human Behaviour, 2021, 5, (3), 319-326 View citations (6)

2019

5. Academic salaries and public evaluation of university research: Evidence from the UK Research Excellence Framework
   Economic Policy, 2019, 34, (99), 523-583 View citations (7)
6. How Do Individuals Repay Their Debt? The Balance-Matching Heuristic
   American Economic Review, 2019, 109, (3), 844-75 View citations (53)
   See also Working Paper How Do Individuals Repay Their Debt? The Balance-Matching Heuristic, NBER Working Papers (2017) View citations (3) (2017)
7. How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market
   The Review of Financial Studies, 2019, 32, (2), 496-523 View citations (23)
8. How do Americans repay their debt? The balance-matching heuristic
   Economics Bulletin, 2019, 39, (2), 1458-1466 View citations (15)
   See also Working Paper How Do Americans Repay Their Debt? The Balance-Matching Heuristic, NBER Working Papers (2019) View citations (15) (2019)
9. The Red, the Black, and the Plastic: Paying Down Credit Card Debt for Hotels, Not Sofas
   Management Science, 2019, 65, (11), 5392-5410 View citations (6)

2018

10. House Prices, Wealth Effects and Labour Supply
    Economica, 2018, 85, (339), 449-478 View citations (24)
    See also Working Paper House prices, wealth effects and labour supply, CFS Working Paper Series (2016) View citations (1) (2016)
11. Why are some households so poorly insured?
    Journal of Economic Behavior & Organization, 2018, 156, (C), 1-12 View citations (3)

2017

12. Financial literacy, present bias and alternative mortgage products
    Journal of Banking & Finance, 2017, 78, (C), 58-83 View citations (49)
    See also Working Paper Financial Literacy, Present Bias and Alternative Mortgage Products, Discussion Papers (2015) View citations (5) (2015)
13. Financial literacy: A barrier to home ownership for the young?
    Journal of Urban Economics, 2017, 99, (C), 62-78 View citations (15)

2016

14. Do Wealth Shocks Affect Health? New Evidence from the Housing Boom
    Health Economics, 2016, 25, (S2), 57-69 View citations (40)
    See also Working Paper Do Wealth Shocks Affect Health? New Evidence from the Housing Boom, Discussion Papers (2015) View citations (11) (2015)

2015

15. Credit counseling: a substitute for consumer financial literacy?
    Journal of Pension Economics and Finance, 2015, 14, (4), 466-491 View citations (9)
    See also Working Paper Credit Counseling: A Substitute for Consumer Financial Literacy?, IFS Working Papers (2014) View citations (1) (2014)

2014

16. Self-control, financial literacy & the co-holding puzzle
    Journal of Economic Behavior & Organization, 2014, 107, (PB), 455-469 View citations (32)

2013

17. AN INSTRUMENTAL VARIABLE APPROACH TO UNEMPLOYMENT, PSYCHOLOGICAL HEALTH AND SOCIAL NORM EFFECTS
    Health Economics, 2013, 22, (6), 643-654 View citations (31)
18. Financial literacy and consumer credit portfolios
    Journal of Banking & Finance, 2013, 37, (7), 2246-2254 View citations (109)
    See also Working Paper Financial Literacy and Consumer Credit Portfolios, Discussion Papers (2012) View citations (4) (2012)

2012

19. Debt and Depression: Causal Links and Social Norm Effects
    Economic Journal, 2012, 122, (563), 1094-1114 View citations (86)
20. How do consumers respond to house price declines?
    Economics Letters, 2012, 115, (2), 279-281 View citations (4)
21. Self-control, financial literacy and consumer over-indebtedness
    Journal of Economic Psychology, 2012, 33, (3), 590-602 View citations (153)
    See also Working Paper Self-Control, Financial Literacy and Consumer Over-Indebtedness, Discussion Papers (2012) View citations (129) (2012)

2011

22. House Price Growth, Collateral Constraints and the Accumulation of Homeowner Debt in the United States
    The B.E. Journal of Macroeconomics, 2011, 11, (1), 30 View citations (18)
23. Racial Disparities in Credit Constraints in the Great Recession: Evidence from the UK
    The B.E. Journal of Economic Analysis & Policy, 2011, 11, (1), 32 View citations (4)
    See also Working Paper Racial Disparities in Credit Constraints in the Great Recession: Evidence from the UK, Discussion Papers (2011) View citations (4) (2011)
24. Unemployment risk, house price risk and the transition into home ownership in the United Kingdom
    Journal of Housing Economics, 2011, 20, (3), 200-209 View citations (14)

2010

25. House Price Shocks and Household Indebtedness in the United Kingdom
    Economica, 2010, 77, (307), 472-496 View citations (18)
26. House Price Shocks, Negative Equity, and Household Consumption in the United Kingdom
    Journal of the European Economic Association, 2010, 8, (6), 1179-1207 View citations (129)

2009

27. Housing wealth, liquidity constraints and self-employment
    Labour Economics, 2009, 16, (1), 79-88 View citations (57)
    See also Working Paper Housing Wealth, Liquidity Constraints and Self-Employment, Discussion Papers (2008) View citations (8) (2008)

Chapters

2013

1. personal debt and psychological health
   Palgrave Macmillan