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/

  • University of Nottingham - School of Economics

SCHOLARLY PAPERS

30

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5,761

SSRN CITATIONS
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Top 8,167

in Total Papers Citations

132

CROSSREF CITATIONS

29

Scholarly Papers (30)

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1.

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

Downloads 772 ( 39,652)
Citation 29

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 Exeter Business School - Department of Economics
Downloads 755 (40,309)
Citation 26

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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 Last Revised: 09 Jul 2021
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 Exeter Business School - Department of Economics
Downloads 17 (671,371)
Citation 1

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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 Exeter Business School - Department of Economics
Downloads 686 (46,516)
Citation 5

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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 570 (59,008)
Citation 15

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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 373 (98,321)
Citation 35

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over-indebtedness, financial literacy, self-control

5.

Investor Logins and the Disposition Effect

Number of pages: 101 Posted: 21 Jul 2019 Last Revised: 20 Jul 2021
Edika Quispe-Torreblanca, John Gathergood, George Loewenstein and Neil Stewart
University of Oxford - Said Business School, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and Warwick Business School, University of Warwick
Downloads 343 (108,076)
Citation 1

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reference point, disposition effect, attention, login, investor behavior

6.

Naïve Buying Diversification and Narrow Framing by Individual Investors

Number of pages: 83 Posted: 21 Oct 2017 Last Revised: 16 Feb 2020
John Gathergood, David A. Hirshleifer, David Leake, Hiroaki Sakaguchi and Neil Stewart
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 338 (109,879)

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investor behavior, portfolio allocation, naive diversification, narrow bracketing

7.

How Do Consumers Avoid Penalty Fees? Evidence From Credit Cards

Number of pages: 90 Posted: 01 May 2017 Last Revised: 11 Dec 2019
John Gathergood, Hiroaki Sakaguchi, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Warwick, Warwick Business School, University of Warwick and University of Exeter Business School - Department of Economics
Downloads 284 (132,365)
Citation 1

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credit cards, penalty fees, automatic payments, direct deposit

8.

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
Edika Quispe-Torreblanca, Neil Stewart, John Gathergood and George Loewenstein
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 270 (139,442)
Citation 3

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mental accounting, credit cards, debt repayment

9.

Attention Utility: Evidence From Individual Investors

Downloads 266 (141,639)
Citation 2

Attention Utility: Evidence From Individual Investors

Number of pages: 60 Posted: 25 Feb 2020 Last Revised: 29 Oct 2020
Edika Quispe-Torreblanca, John Gathergood, George Loewenstein and Neil Stewart
University of Oxford - Said Business School, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and Warwick Business School, University of Warwick
Downloads 175 (209,805)
Citation 1

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information utility, attention, investor behavior

Attention Utility: Evidence from Individual Investors

CESifo Working Paper No. 8091
Number of pages: 54 Posted: 14 Feb 2020
Edika Quispe-Torreblanca, John Gathergood, George Loewenstein and Neil Stewart
University of Oxford - Said Business School, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and University of Warwick - Warwick Business School
Downloads 91 (344,342)

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information utility, attention, login, investor behavior

10.

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 Exeter Business School - Department of Economics
Downloads 217 (172,692)
Citation 14

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Mortgages; Financial literacy; Present bias; Alternative mortgage products

11.

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 187 (197,942)

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Life Satisfaction, Consumption, Conspicuous Consumption

12.

Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending

Covid Economics 67: 24-52 (2021)
Number of pages: 29 Posted: 08 Mar 2021
John Gathergood, Fabian Gunzinger, Benedict Guttman-Kenney, Edika Quispe-Torreblanca and Neil Stewart
University of Nottingham - School of Economics, University of Oxford - Department of Economics, University of Chicago - Booth School of Business, University of Oxford - Said Business School and University of Warwick - Warwick Business School
Downloads 160 (226,259)

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Consumption, Coronavirus, COVID-19, Household Finance, Lockdowns, Credit Cards, Regional Inequality

13.

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 150 (238,722)
Citation 1

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debt, over-indebtedness, depression, reference group effects

14.

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 Exeter Business School - Department of Economics
Downloads 133 (262,774)
Citation 3

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Home ownership; Financial literacy; Mortgages; Household finance

15.

House Prices, Wealth Effects and Labour Supply

Downloads 116 (290,580)
Citation 7

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 73 (393,466)
Citation 4

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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 43 (507,830)
Citation 6

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labour supply, wealth effects, house prices

16.

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 Exeter Business School - Department of Economics
Downloads 113 (295,882)
Citation 1

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relative rank, social comparison, life satisfaction, income inequality

17.

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 100 (321,724)

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consumption insurance, financial fragility, financial literacy, present bias

18.

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 97 (328,038)
Citation 2

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health, home equity, house prices

19.

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 84 (358,872)

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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 82 (364,092)
Citation 1

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Defaults; Inattention; Prominence; Automatic Repayment; Credit Card

21.

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

Downloads 81 (366,671)

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 Exeter Business School - Department of Economics
Downloads 76 (384,432)

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 Last Revised: 02 May 2021
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 Exeter Business School - Department of Economics
Downloads 5 (771,142)

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22.

The Co-holding Puzzle: New Evidence from Transaction-Level Data

Downloads 68 (404,307)
Citation 1

The Co-holding Puzzle: New Evidence from Transaction-Level Data

Number of pages: 43 Posted: 16 Jun 2020
John Gathergood and Arna Olafsson
University of Nottingham - School of Economics and Copenhagen Business School
Downloads 68 (409,324)
Citation 1

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co-holding, credit card puzzle, household finance

The Co-Holding Puzzle: New Evidence from Transaction-Level Data

CEPR Discussion Paper No. DP14799
Number of pages: 46 Posted: 28 May 2020
John Gathergood and Arna Olafsson
University of Nottingham - School of Economics and Copenhagen Business School
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co-holding, credit card puzzle, household finance

23.

How Preferences for Round Numbers Affect Choices: Stickiness and Jumpiness in Credit Card Payments

Number of pages: 73 Posted: 24 Apr 2020 Last Revised: 07 Jul 2020
Hiroaki Sakaguchi, John Gathergood and Neil Stewart
University of Warwick, University of Nottingham - School of Economics and University of Warwick - Warwick Business School
Downloads 67 (407,500)

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credit cards, round numbers, heuristic, policy evaluation

24.

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

Downloads 66 (410,747)
Citation 1

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 66 (415,995)
Citation 3

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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

25.

The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data

Covid Economics 64: 73-100 (2021)
Number of pages: 28 Posted: 08 Mar 2021
John Gathergood and Benedict Guttman-Kenney
University of Nottingham - School of Economics and University of Chicago - Booth School of Business
Downloads 63 (420,670)
Citation 2

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Consumption, Coronavirus, COVID-19, Household Finance, Local Lockdowns, Credit Cards

26.

At the Top of the Mind: Peak Prices and the Disposition Effect

Number of pages: 103 Posted: 08 Jul 2021
Edika Quispe-Torreblanca, David Hume, John Gathergood, George Loewenstein and Neil Stewart
University of Oxford - Said Business School, University of Warwick, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and University of Warwick - Warwick Business School
Downloads 32 (562,932)

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reference points, disposition effect, selling homes, investor behaviour

27.

Does Homeownership Reduce Crime? A Radical Housing Reform from the UK

CFS Working Paper, No. 651, 2020
Number of pages: 73 Posted: 28 Feb 2021
Richard F. Disney, John Gathergood, Stephen J. Machin and Matteo Sandi
University of Nottingham, University of Nottingham - School of Economics, London School of Economics & Political Science (LSE) - Centre for Economic Performance (CEP) and London School of Economics & Political Science (LSE) - Centre for Economic Performance (CEP)
Downloads 22 (613,731)
Citation 1

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Crime; Homeownership; Public Housing

28.

Naïve *Buying* Diversification and Narrow Framing by Individual Investors

NBER Working Paper No. w25567
Number of pages: 84 Posted: 19 Feb 2019 Last Revised: 12 May 2021
John Gathergood, David A. Hirshleifer, David Leake, Hiroaki Sakaguchi and Neil Stewart
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 19 (634,376)
Citation 1

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29.

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 (776,775)
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30.

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 (776,775)
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