John Gathergood

University of Nottingham - School of Economics

Professor of Economics

Sir Clive Granger Building

University Park

Nottingham, NG7 2RD

United Kingdom

http://https://sites.google.com/site/gathergoodjohn/

SCHOLARLY PAPERS

24

DOWNLOADS
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Top 11,890

in Total Papers Downloads

3,952

CITATIONS
Rank 13,569

SSRN RANKINGS

Top 13,569

in Total Papers Citations

54

Scholarly Papers (24)

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

Becker Friedman Institute for Research in Economics Working Paper No. 2018-7
Number of pages: 80 Posted: 18 Jul 2017 Last Revised: 15 Aug 2018
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Nottingham - School of Economics
Downloads 692 (35,511)

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Credit Cards, Consumer Borrowing, Rational Behavior, Balance Matching, Heuristics

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

NBER Working Paper No. w24161
Number of pages: 81 Posted: 03 Jan 2018
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Nottingham - School of Economics
Downloads 14 (576,239)

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2.

Self-Control, Financial Literacy & the Co-Holding Puzzle

Journal of Economic Behavior and Organization, Vol. 107, No. Part B, 2014
Number of pages: 29 Posted: 14 Feb 2012 Last Revised: 08 May 2017
John Gathergood and Joerg Weber
University of Nottingham - School of Economics and University of Nottingham - School of Economics
Downloads 613 (42,372)

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Consumer credit; Self-control; Financial literacy

3.

Financial Literacy and Indebtedness: New Evidence for U.K. Consumers

Number of pages: 39 Posted: 27 May 2011
John Gathergood and Richard F. Disney
University of Nottingham - School of Economics and University of Nottingham
Downloads 391 (74,293)
Citation 1

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financial literacy, consumer credit, financial education

4.

Self-Control, Financial Literacy and Consumer Over-Indebtedness

Journal of Economic Psychology, Forthcoming
Number of pages: 44 Posted: 27 Jun 2011 Last Revised: 22 Feb 2012
John Gathergood
University of Nottingham - School of Economics
Downloads 334 (89,077)
Citation 4

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over-indebtedness, financial literacy, self-control

5.

Naïve Buying Diversification and Narrow Framing by Individual Investors

Number of pages: 74 Posted: 21 Oct 2017 Last Revised: 14 Mar 2019
University of Nottingham - School of Economics, University of California, Irvine - Paul Merage School of Business, Independent, University of Warwick and Warwick Business School, University of Warwick
Downloads 254 (119,576)

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investor behavior, portfolio allocation, naive diversification, narrow bracketing

6.

The Red, the Black, and the Plastic: Paying Down Credit Card Debt for Hotels Not Sofas

Quispe Torreblanca E G, Stewart N, Gathergood J, Loewenstein G. The red, the black, and the plastic: paying down credit card debt for hotels not sofas. Management Sci., Forthcoming
Number of pages: 103 Posted: 19 Sep 2017 Last Revised: 10 Feb 2019
University of Oxford - Said Business School, Warwick Business School, University of Warwick, University of Nottingham - School of Economics and Carnegie Mellon University - Department of Social and Decision Sciences
Downloads 248 (122,488)

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mental accounting, credit cards, debt repayment

7.

How Do Consumers Avoid Penalty Fees? Evidence From Credit Cards

Number of pages: 72 Posted: 01 May 2017 Last Revised: 21 Jul 2018
University of Nottingham - School of Economics, University of Warwick, Warwick Business School, University of Warwick and University of Nottingham - School of Economics
Downloads 233 (130,453)

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credit cards, penalty fees, automatic payments, direct deposit

8.

Financial Literacy, Present Bias and Alternative Mortgage Products

Journal of Banking & Finance, Vol. 78, May 2017, Pages 58–83, doi.org/10.1016/j.jbankfin.2017.01.022.
Number of pages: 50 Posted: 06 Jun 2015 Last Revised: 08 May 2017
John Gathergood and Joerg Weber
University of Nottingham - School of Economics and University of Nottingham - School of Economics
Downloads 169 (175,783)
Citation 3

Abstract:

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Mortgages; Financial literacy; Present bias; Alternative mortgage products

9.

Consumption and Life Satisfaction: A Micro Panel Data Study

Number of pages: 34 Posted: 05 May 2017
Gordon D. A. Brown and John Gathergood
University of Warwick - Department of Psychology and University of Nottingham - School of Economics
Downloads 138 (207,982)

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Life Satisfaction, Consumption, Conspicuous Consumption

10.

Financial Literacy: A Barrier to Home Ownership for the Young?

Journal of Urban Economics, Vol. 99, May 2017, pp. 62-78, doi.org/10.1016/j.jue.2017.02.001
Number of pages: 40 Posted: 11 Sep 2015 Last Revised: 08 May 2017
John Gathergood and Joerg Weber
University of Nottingham - School of Economics and University of Nottingham - School of Economics
Downloads 114 (240,644)
Citation 2

Abstract:

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Home ownership; Financial literacy; Mortgages; Household finance

11.
Downloads 105 (255,085)
Citation 5

House Prices, Wealth Effects and Labour Supply

CFS Working Paper, No. 556
Number of pages: 49 Posted: 14 Nov 2016 Last Revised: 11 Jan 2018
Richard F. Disney and John Gathergood
University of Nottingham and University of Nottingham - School of Economics
Downloads 64 (347,893)
Citation 3

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Labour supply, Wealth effects, House prices

House Prices, Wealth Effects and Labour Supply

Number of pages: 38 Posted: 20 Jul 2013
Richard F. Disney and John Gathergood
University of Nottingham and University of Nottingham - School of Economics
Downloads 41 (426,979)
Citation 2

Abstract:

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labour supply, wealth effects, house prices

12.

Debt and Depression: Evidence on Causal Links and Social Stigma Effects

Number of pages: 33 Posted: 05 Sep 2011
John Gathergood
University of Nottingham - School of Economics
Downloads 100 (263,669)

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debt, over-indebtedness, depression, reference group effects

13.

Why Are Some Households So Poorly Insured?

Number of pages: 43 Posted: 30 Jan 2017 Last Revised: 01 Feb 2017
John Gathergood and Daniel Wylie
University of Nottingham - School of Economics and University of Nottingham - School of Economics
Downloads 94 (274,535)

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consumption insurance, financial fragility, financial literacy, present bias

14.

House Prices, Home Equity and Health

Number of pages: 48 Posted: 03 Jan 2013
Eleonora Fichera and John Gathergood
University of Manchester and University of Nottingham - School of Economics
Downloads 86 (290,489)
Citation 1

Abstract:

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health, home equity, house prices

15.

Relative Rank and Life Satisfaction: Evidence from US Households

Number of pages: 39 Posted: 07 Feb 2017
Gordon D. A. Brown, John Gathergood and Joerg Weber
University of Warwick - Department of Psychology, University of Nottingham - School of Economics and University of Nottingham - School of Economics
Downloads 80 (303,515)

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relative rank, social comparison, life satisfaction, income inequality

16.

Can We Predict Which Consumer Credit Users Will Suffer Financial Distress?

FCA Occasional Paper No. 20
Number of pages: 83 Posted: 09 Mar 2017 Last Revised: 05 Apr 2017
John Gathergood and Benedict Guttman-Kenney
University of Nottingham - School of Economics and University of Chicago - Booth School of Business
Downloads 75 (315,195)

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How Do Americans Repay Their Debt? The Balance-Matching Heuristic

Number of pages: 19 Posted: 27 Feb 2019
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Nottingham - School of Economics
Downloads 54 (379,208)

Abstract:

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credit cards, consumer borrowing, rational behavior, balance matching, heuristics

How Do Americans Repay Their Debt? The Balance-Matching Heuristic

NBER Working Paper No. w25557
Number of pages: 19 Posted: 19 Feb 2019
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Nottingham - School of Economics
Downloads 2 (666,657)
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18.

Investor Attention, Reference Points and the Disposition Effect

Number of pages: 54 Posted: 21 Jul 2019
University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences, University of Oxford - Said Business School and Warwick Business School, University of Warwick
Downloads 55 (370,102)

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disposition effect, attention, login, investor behavior

Academic Salaries and Public Evaluation of University Research: Evidence from the UK Research Excellence Framework

Number of pages: 57 Posted: 28 Jul 2016 Last Revised: 09 Oct 2018
Gianni De Fraja, Giovanni Facchini and John Gathergood
University of Nottingham, University of Nottingham and University of Nottingham - School of Economics
Downloads 51 (389,336)

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Research evaluation, Research funding, Research Excellence Framework.

How Much is that Star in the Window? Professorial Salaries and Research Performance in UK Universities

CEPR Discussion Paper No. DP11638
Number of pages: 53 Posted: 22 Nov 2016
Gianni De Fraja, Giovanni Facchini and John Gathergood
University of Nottingham, University of Nottingham and University of Nottingham - School of Economics
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Higher education competition, Research Excellence Framework, Research funding, Salary inequality, University sector

20.

When Setting a Default Payment Harms Credit Card Holders

Number of pages: 43 Posted: 04 Aug 2018
Hiroaki Sakaguchi, Neil Stewart and John Gathergood
University of Warwick, Warwick Business School, University of Warwick and University of Nottingham - School of Economics
Downloads 33 (451,068)

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Defaults; Inattention; Prominence; Automatic Repayment; Credit Card

21.

Naïve *Buying* Diversification and Narrow Framing by Individual Investors

NBER Working Paper No. w25567
Number of pages: 75 Posted: 19 Feb 2019
University of Nottingham - School of Economics, University of California, Irvine - Paul Merage School of Business, Lloyds Banking Group, University of Warwick and Warwick Business School, University of Warwick
Downloads 14 (554,411)
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22.

House Prices, Wealth Effects and Labour Supply

Economica, Vol. 85, Issue 339, pp. 449-478, 2018
Number of pages: 30 Posted: 12 Jun 2018
Richard Disney and John Gathergood
University of Sussex and University of Nottingham - School of Economics
Downloads 1 (648,804)
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23.

Debt and Depression: Causal Links and Social Norm Effects

The Economic Journal, Vol. 122, Issue 563, pp. 1094-1114, 2012
Number of pages: 21 Posted: 04 Sep 2012
John Gathergood
University of Nottingham - School of Economics
Downloads 1 (648,804)
Citation 2
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24.

House Price Shocks and Household Indebtedness in the United Kingdom

Economica, Vol. 77, Issue 307, pp. 472-496, July 2010
Number of pages: 25 Posted: 07 Jun 2010
Richard F. Disney, Sarah Bridges and John Gathergood
University of Nottingham, University of Nottingham and University of Nottingham - School of Economics
Downloads 1 (648,804)
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