email: john.gathergood at nottingham.ac.uk

Working Papers

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

Published and Forthcoming Papers

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic (with N. MahoneyN. 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-TorreblancaN. 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, forthcoming

Why Are Some Households So Poorly Insured? (with D. Wylie
Journal of Economic Behavior and Organization, forthcoming

House Prices, Wealth Effects and Labour Supply (with R. Disney) 
Economica, 85: 449-478, 2018

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

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

Health Economics, 25: S257-59, 2016

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

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

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
Economic Journal, 122: 1094-1114, 2012
Journal of Economic Psychology 33: 590-602, 2012
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

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