I am an economist specializing in research in the area of Household Finance. I am also an academic advisor to the UK Financial Conduct Authority.

CV

email: john.gathergood at nottingham.ac.uk

Working Papers

How Do Americans Repay Their Debt? The Balance-Matching Heuristic (with Neale Mahoney, Neil Stewart and Joerg Weber)

Naive Buying Diversification and Narrow Framing Among Individual Investors (with David Hirshleifer, David Leake, Hiro Sakaguchi and Neil Stewart)

How Do Consumers Avoid Penalty Fees? Evidence From Credit Cards (with Hiro Sakaguchi, Neil Stewart and Joerg Weber) Revise and Resubmit, Management Science

When Setting a Default Payment Harms Credit Card Holders (with Hiro Sakaguchi and Neil Stewart)

Professorial Salaries and Research Performance in UK Universities (with Gianni De Fraja and Giovanni Facchini) Revise and Resubmit, Economic Policy


Published and Forthcoming Papers


How Do Individuals Repay Their Debt? The Balance-Matching Heuristic (with N. Mahoney, N. Stewart and J. Weber)

American Economic Review, forthcoming


The Red, the Black and the Plastic: Paying Down Credit Card Debt for Hotels not Sofas (with E. Quispe-Torreblanca, N. Stewart and G. Loewenstein)

Management Science, forthcoming


How Do Payday Loans Affect Borrowers? Evidence From the UK Market (with S. Hunt and B. Guttman-Kenney)

Review of Financial Studies, 32: 496-523, 2019


Why Are Some Households So Poorly Insured? (with D. Wylie)

Journal of Economic Behavior and Organization, 156: 1-12, 2018


House Prices, Wealth Effects and Labour Supply (with R. Disney)

Economica, 85: 449-478, 2018


Financial Literacy, Present Bias and Alternative Mortgage Products (with J. Weber)

Journal of Banking and Finance, 78: 58-83, 2017


Financial Literacy: A Barrier to Home Ownership for the Young? (with J. Weber)

Journal of Urban Economics, 99: 62-78, 2017


Do Wealth Shocks Affect Health? New Evidence From The Housing Boom (with E. Fichera)

Health Economics, 25: S257-59, 2016


Credit Counseling: A Substitute for Consumer Financial Literacy? (with R. Disney and J. Weber)

Journal of Pension Economics and Finance, 14: 466-491, 2015


Self-Control, Financial Literacy and the Co-Holding Puzzle (with J. Weber)

Journal of Economic Behavior and Organization, 107: 455-469, 2014


Personal Debt and Psychological Health

New Palgrave Dictionary of Economics, 2014


Financial Literacy and Consumer Credit Portfolios (with R. Disney)

Journal of Banking and Finance, 37: 2246-2254, 2013


An Instrumental Variable Approach to Unemployment, Psychological Health and Social Norm Effects

Health Economics, 22: 643-654, 2013


Debt and Depression: Causal Links and Social Norm Effects

Economic Journal, 122: 1094-1114, 2012


Self-Control, Financial Literacy and Consumer Over-Indebtedness

Journal of Economic Psychology 33: 590-602, 2012


How Do Consumers Respond to House Price Declines?

Economics Letters 115: 279-281, 2012


Racial Disparities in Credit Constraints in the Great Recession: Evidence From the UK

B.E. Journal of Economic Analysis and Policy 11(3) (Advances), 2011


House Price Growth, Collateral Constraints and the Accumulation of Homeowner Debt in the US (with R. Disney)

B.E. Journal of Macroeconomics 11(1) (Contributions), 2011


Unemployment Risk, House Price Risk and the Transition into Homeownership in the United Kingdom

Journal of Housing Economics 20: 200-209, 2011


House Price Shocks, Negative Equity and Household Consumption in the United Kingdom (with R. Disney and A. Henley)

Journal of the European Economic Association 8: 1179-1207, 2010


House Price Shocks and Household Indebtedness in the United Kingdom (with S. Bridges and R. Disney)

Economica 77: 472-496, 2010


Housing Wealth, Liquidity Constraints and Self-Employment (with R. Disney)

Labour Economics 16: 79-88, 2009


Other Places to go for Household Finance

NBER Household Finance Working Group

CEPR Network on Household Finance

SSRN Household Finance E-Journal