메뉴 건너뛰기




Volumn 45, Issue 1-2, 2011, Pages 139-160

Over-indebtedness and the interplay of factual and mental money management: An interview study

Author keywords

Debt; Mental accounting; Money management; Self control

Indexed keywords


EID: 79957859729     PISSN: 00779954     EISSN: 19434863     Source Type: Journal    
DOI: 10.1080/00779954.2011.556075     Document Type: Article
Times cited : (8)

References (61)
  • 2
    • 79957801276 scopus 로고    scopus 로고
    • ASB, Retrieved 10 November, 2006, from
    • ASB (2006). ASB fact sheet 2006. Retrieved 10 November, 2006, from http://members.aon.at/asb/index.html
    • (2006) ASB fact sheet 2006
  • 3
    • 77955416619 scopus 로고    scopus 로고
    • How much debt is too much? Defining benchmarks for manageable student debt
    • from
    • Baum, S., & Schwartz, S. (2005). How much debt is too much? Defining benchmarks for manageable student debt. The Project on Student Debt, from http://projectonstudentdebt.org/fckfiles/File/Debt_is_Too_Much_November_10.pdf
    • (2005) The Project on Student Debt
    • Baum, S.1    Schwartz, S.2
  • 4
    • 0036102053 scopus 로고    scopus 로고
    • Yielding to temptation: Self-control failure, impulsive purchasing, and consumer behavior
    • Baumeister, R.F. (2002). Yielding to temptation: Self-control failure, impulsive purchasing, and consumer behavior. Journal of Consumer Research, 28(4), 670-676.
    • (2002) Journal of Consumer Research , vol.28 , Issue.4 , pp. 670-676
    • Baumeister, R.F.1
  • 6
    • 0034417954 scopus 로고    scopus 로고
    • Ego depletion: A resource model of volition, self-regulation, and controlled processing
    • Baumeister, R.F., Muraven, M., & Tice, D.M. (2000). Ego depletion: A resource model of volition, self-regulation, and controlled processing. Social Cognition, 18(2), 130-150.
    • (2000) Social Cognition , vol.18 , Issue.2 , pp. 130-150
    • Baumeister, R.F.1    Muraven, M.2    Tice, D.M.3
  • 9
    • 24144450359 scopus 로고    scopus 로고
    • Debt and financial expectations: An individual and household level analysis
    • Brown, S., Garino, G., Taylor, K., & Wheatley Price, S. (2005). Debt and financial expectations: An individual and household level analysis. Economic Inquiry, 43(1), 100-120.
    • (2005) Economic Inquiry , vol.43 , Issue.1 , pp. 100-120
    • Brown, S.1    Garino, G.2    Taylor, K.3    Wheatley, P.S.4
  • 10
    • 24144468101 scopus 로고    scopus 로고
    • Debt and distress: Evaluating the psychological cost of credit
    • Brown, S., Taylor, K., & Wheatley Price, S. (2006). Debt and distress: Evaluating the psychological cost of credit. Journal of Economic Psychology, 26(5), 642-663.
    • (2006) Journal of Economic Psychology , vol.26 , Issue.5 , pp. 642-663
    • Brown, S.1    Taylor, K.2    Wheatley, P.S.3
  • 11
    • 44249124601 scopus 로고    scopus 로고
    • Financial affairs? Money management in samesex relationships
    • Burns, M., Burgoyne, C., & Clarke, V. (2008). Financial affairs? Money management in samesex relationships. Journal of Socio-Economics, 37(2), 481-501.
    • (2008) Journal of Socio-Economics , vol.37 , Issue.2 , pp. 481-501
    • Burns, M.1    Burgoyne, C.2    Clarke, V.3
  • 12
    • 4243305996 scopus 로고    scopus 로고
    • Factors affecting an individual's bankruptcy filing decision
    • from
    • Chakravarty, S., & Rhee, E.-Y. (1999). Factors affecting an individual's bankruptcy filing decision. SSRN Working Paper Series, from http://ssrn.com/abstract=164351
    • (1999) SSRN Working Paper Series
    • Chakravarty, S.1    Rhee, E.-Y.2
  • 13
    • 33645045855 scopus 로고    scopus 로고
    • Malleable mental accounting: The effect of flexibility on the justification of attractive spending and consumption decisions
    • Cheema, A., & Soman, D. (2006). Malleable mental accounting: The effect of flexibility on the justification of attractive spending and consumption decisions. Journal of Consumer Psychology, 16(1), 33-44.
    • (2006) Journal of Consumer Psychology , vol.16 , Issue.1 , pp. 33-44
    • Cheema, A.1    Soman, D.2
  • 14
    • 0035635790 scopus 로고    scopus 로고
    • The effects of credit attitude and socioeconomic factors on credit card and installment debt
    • Chien, Y.W., & Devaney, S.A. (2001). The effects of credit attitude and socioeconomic factors on credit card and installment debt. Journal of Consumer Affairs, 35(1), 162-179.
    • (2001) Journal of Consumer Affairs , vol.35 , Issue.1 , pp. 162-179
    • Chien, Y.W.1    Devaney, S.A.2
  • 15
    • 79957829271 scopus 로고    scopus 로고
    • Department for Business Enterprise & Regulatory Reform, Consumer and Competition Policy Directorate, Department for Business Enterprise & Regulatory Reform
    • Department for Business Enterprise & Regulatory Reform. (2009). Household debt monitoring paper H1 2008. Consumer and Competition Policy Directorate, Department for Business Enterprise & Regulatory Reform.
    • (2009) Household debt monitoring paper H1 2008
  • 16
    • 0001479751 scopus 로고
    • The nature, extent, causes, and consequences of problematic debt
    • Dessart, W.C.A.M., & Kuylen, A.A.A. (1986). The nature, extent, causes, and consequences of problematic debt. Journal of Consumer Policy, 9(3), 311-334.
    • (1986) Journal of Consumer Policy , vol.9 , Issue.3 , pp. 311-334
    • Dessart, W.C.A.M.1    Kuylen, A.A.A.2
  • 17
    • 3543029187 scopus 로고
    • Household insolvency: A review of household debt repayment, delinquency, and bankruptcy
    • DeVaney, S.A., & Lytton, R.H. (1995). Household insolvency: A review of household debt repayment, delinquency, and bankruptcy. Financial Services Review, 4(2), 137-156.
    • (1995) Financial Services Review , vol.4 , Issue.2 , pp. 137-156
    • DeVaney, S.A.1    Lytton, R.H.2
  • 18
    • 0034142593 scopus 로고    scopus 로고
    • Over the limit: The association among health, race and debt
    • Drentea, P., & Lavrakas, P.J. (2000). Over the limit: The association among health, race and debt. Social Science & Medicine, 50(4), 517-529.
    • (2000) Social Science & Medicine , vol.50 , Issue.4 , pp. 517-529
    • Drentea, P.1    Lavrakas, P.J.2
  • 20
    • 79957802218 scopus 로고    scopus 로고
    • Consumer-finance-myths and other obstacles to financial literacy
    • Paper presented at the, St. Louis, Missouri, December 8
    • Emmons, W.R. (2004). Consumer-finance-myths and other obstacles to financial literacy. Paper presented at the conference 'Consequences of the Consumer Lending Revolution', St. Louis, Missouri, December 8.
    • (2004) Conference 'Consequences of the Consumer Lending Revolution'
    • Emmons, W.R.1
  • 21
    • 3543028602 scopus 로고    scopus 로고
    • Linking consumer debt and consumer expenditures: Do borrowers spend money differently
    • Fan, J.X. (2000). Linking consumer debt and consumer expenditures: Do borrowers spend money differently. Family and Consumer Sciences Research Journal, 28(3), 358-401.
    • (2000) Family and Consumer Sciences Research Journal , vol.28 , Issue.3 , pp. 358-401
    • Fan, J.X.1
  • 22
    • 0032331667 scopus 로고    scopus 로고
    • Pennies-a-day: The effect of temporal reframing on transaction evaluation
    • Gourville, J.T. (1998). Pennies-a-day: The effect of temporal reframing on transaction evaluation. Journal of Consumer Research, 24(4), 395-408.
    • (1998) Journal of Consumer Research , vol.24 , Issue.4 , pp. 395-408
    • Gourville, J.T.1
  • 23
    • 0001380243 scopus 로고
    • Determinants of time preference, saving, and economic behavior. A comparison between Norway and The Netherlands
    • Paper presented at the, Erasmus University Rotterdam, July 10-13
    • Groenland, E.A.G., & Nyhus, E.K. (1994). Determinants of time preference, saving, and economic behavior. A comparison between Norway and The Netherlands. Paper presented at the IAREP/SABE conference, Erasmus University Rotterdam, July 10-13.
    • (1994) IAREP/SABE conference
    • Groenland, E.A.G.1    Nyhus, E.K.2
  • 24
    • 0033474297 scopus 로고    scopus 로고
    • Discriminating the number of credit cards held by college students using credit and money attitudes
    • Hayhoe, C.R., Leach, L., & Turner, P.R. (1999). Discriminating the number of credit cards held by college students using credit and money attitudes. Journal of Economic Psychology, 20(6), 643-656.
    • (1999) Journal of Economic Psychology , vol.20 , Issue.6 , pp. 643-656
    • Hayhoe, C.R.1    Leach, L.2    Turner, P.R.3
  • 25
    • 0030503890 scopus 로고    scopus 로고
    • Mental budgeting and consumer decisions
    • Heath, C., & Soll, J.B. (1996). Mental budgeting and consumer decisions. Journal of Consumer Research, 23(1), 40-52.
    • (1996) Journal of Consumer Research , vol.23 , Issue.1 , pp. 40-52
    • Heath, C.1    Soll, J.B.2
  • 26
    • 28044445744 scopus 로고    scopus 로고
    • Household financial management: The connection between knowledge and behavior
    • (July)
    • Hilgert, M.A., Hogarth, J.M., & Beverly, S.G. (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 2003(July), 309-322.
    • (2003) Federal Reserve Bulletin , vol.2003 , pp. 309-322
    • Hilgert, M.A.1    Hogarth, J.M.2    Beverly, S.G.3
  • 27
    • 0347533421 scopus 로고    scopus 로고
    • Overindebtednes and overlegalization: Consumer bankruptcy as a field for alternative dispute resolution
    • Huls, N. (1997). Overindebtednes and overlegalization: Consumer bankruptcy as a field for alternative dispute resolution. Journal of Consumer Policy, 20(2), 143-159.
    • (1997) Journal of Consumer Policy , vol.20 , Issue.2 , pp. 143-159
    • Huls, N.1
  • 30
    • 33746885480 scopus 로고    scopus 로고
    • Personal loan users' mental integration of payment and consumption
    • Kamleitner, B., & Kirchler, E. (2006). Personal loan users' mental integration of payment and consumption. Marketing Letters, 17(4), 281-294.
    • (2006) Marketing Letters , vol.17 , Issue.4 , pp. 281-294
    • Kamleitner, B.1    Kirchler, E.2
  • 32
    • 79957834319 scopus 로고    scopus 로고
    • Financial vulnerability of mortgage-indebted households in New Zealand-evidence from the Household Economic Survey
    • Kida, M. (2009). Financial vulnerability of mortgage-indebted households in New Zealand-evidence from the Household Economic Survey. Reserve Bank of New Zealand Bulletin, 72(1), 5-12.
    • (2009) Reserve Bank of New Zealand Bulletin , vol.72 , Issue.1 , pp. 5-12
    • Kida, M.1
  • 33
    • 68349112983 scopus 로고    scopus 로고
    • Behavioral economics, overindebtedness & comparative consumer bankruptcy: Searching for causes and evaluating solutions
    • Kilborn, J.J. (2005). Behavioral economics, overindebtedness & comparative consumer bankruptcy: Searching for causes and evaluating solutions. Bankruptcy Developments Journal, 22(1), 13-45.
    • (2005) Bankruptcy Developments Journal , vol.22 , Issue.1 , pp. 13-45
    • Kilborn, J.J.1
  • 34
  • 35
    • 0005629723 scopus 로고    scopus 로고
    • Advances in research on mental accounting and reason-based choice
    • Kivetz, R. (1999). Advances in research on mental accounting and reason-based choice. Marketing Letters, 10(3), 249-266.
    • (1999) Marketing Letters , vol.10 , Issue.3 , pp. 249-266
    • Kivetz, R.1
  • 36
    • 79957817706 scopus 로고    scopus 로고
    • Over-indebtedness and the financial meltdown
    • Korczak, D. (2009). Over-indebtedness and the financial meltdown. Money Matters, 7, 2.
    • (2009) Money Matters , vol.7 , pp. 2
    • Korczak, D.1
  • 37
    • 84935643419 scopus 로고
    • Poverty and the rate of time preference: Evidence from panel data
    • Lawrance, E.C. (1991). Poverty and the rate of time preference: Evidence from panel data. Journal of Political Economy, 99(1), 54-77.
    • (1991) Journal of Political Economy , vol.99 , Issue.1 , pp. 54-77
    • Lawrance, E.C.1
  • 38
    • 0039928832 scopus 로고    scopus 로고
    • Credit, debt and problem debt
    • In P.E. Earl & S. Kemp (Eds.), Cheltenham: Edward Elgar
    • Lea, S.E.G. (1999). Credit, debt and problem debt. In P.E. Earl & S. Kemp (Eds.), The Elgar companion to consumer research and economic psychology (pp. 139-144). Cheltenham: Edward Elgar.
    • (1999) The Elgar companion to consumer research and economic psychology , pp. 139-144
    • Lea, S.E.G.1
  • 40
    • 0011600861 scopus 로고
    • Psychological factors in consumer debt: Money management, economic socialization, and credit use
    • Lea, S.E.G., Webley, P., & Walker, C.M. (1995). Psychological factors in consumer debt: Money management, economic socialization, and credit use. Journal of Economic Psychology, 16(4), 681-701.
    • (1995) Journal of Economic Psychology , vol.16 , Issue.4 , pp. 681-701
    • Lea, S.E.G.1    Webley, P.2    Walker, C.M.3
  • 41
    • 79957847171 scopus 로고    scopus 로고
    • Debit card usage: An examination of its impact on household debt
    • Lee, J., Abdul-Rahman, F., & Kim, H. (2007). Debit card usage: An examination of its impact on household debt. Financial Services Review, 16, 73-87.
    • (2007) Financial Services Review , vol.16 , pp. 73-87
    • Lee, J.1    Abdul-Rahman, F.2    Kim, H.3
  • 42
    • 38249015189 scopus 로고
    • Predicting personal debt and debt repayment: Psychological, social and economic determinants
    • Livingstone, S.M., & Lunt, P.K. (1992). Predicting personal debt and debt repayment: Psychological, social and economic determinants. Journal of Economic Psychology, 13(1), 111-134.
    • (1992) Journal of Economic Psychology , vol.13 , Issue.1 , pp. 111-134
    • Livingstone, S.M.1    Lunt, P.K.2
  • 43
    • 79957804004 scopus 로고    scopus 로고
    • A profile of consumer bankruptcy petitioners
    • Paper presented at the, Scottsdale, Arizona, November 20-23
    • Lown, J.M., & Rowe, B.R. (2002). A profile of consumer bankruptcy petitioners. Paper presented at the Annual Conference of AFCPE, Scottsdale, Arizona, November 20-23.
    • (2002) Annual Conference of AFCPE
    • Lown, J.M.1    Rowe, B.R.2
  • 44
    • 40249113509 scopus 로고    scopus 로고
    • Toward a physiology of dual-process reasoning and judgment: Lemonade, willpower, and expensive rule-based analysis
    • Masicampo, E.J., & Baumeister, R.F. (2008). Toward a physiology of dual-process reasoning and judgment: Lemonade, willpower, and expensive rule-based analysis. Psychological Science, 19(3), 255-260.
    • (2008) Psychological Science , vol.19 , Issue.3 , pp. 255-260
    • Masicampo, E.J.1    Baumeister, R.F.2
  • 46
    • 0034154647 scopus 로고    scopus 로고
    • Self-regulation and depletion of limited resources: Does self-control resemble a muscle?
    • Muraven, M., & Baumeister, R.F. (2000). Self-regulation and depletion of limited resources: Does self-control resemble a muscle? Psychological Bulletin, 126(2), 247-259.
    • (2000) Psychological Bulletin , vol.126 , Issue.2 , pp. 247-259
    • Muraven, M.1    Baumeister, R.F.2
  • 47
    • 44249100986 scopus 로고    scopus 로고
    • Family finances, individualisation, spending patterns and access to credit
    • Pahl, J. (2008). Family finances, individualisation, spending patterns and access to credit. Journal of Socio-Economics, 37(2), 577-591.
    • (2008) Journal of Socio-Economics , vol.37 , Issue.2 , pp. 577-591
    • Pahl, J.1
  • 48
    • 33745323202 scopus 로고    scopus 로고
    • Who is in control? The role of self-perception, knowledge, and income in explaining consumer financial behavior
    • Perry, V.G., & Morris, M.D. (2005). Who is in control? The role of self-perception, knowledge, and income in explaining consumer financial behavior. Journal of Consumer Affairs, 39(2), 299-313.
    • (2005) Journal of Consumer Affairs , vol.39 , Issue.2 , pp. 299-313
    • Perry, V.G.1    Morris, M.D.2
  • 49
    • 0032220719 scopus 로고    scopus 로고
    • The red and the black: Mental accounting of savings and debt
    • Prelec, D., & Loewenstein, G. (1998). The red and the black: Mental accounting of savings and debt. Marketing Science, 17(1), 4-28.
    • (1998) Marketing Science , vol.17 , Issue.1 , pp. 4-28
    • Prelec, D.1    Loewenstein, G.2
  • 50
    • 0004576550 scopus 로고
    • Evaluating and budgeting with instalment credit: An interview study
    • Ranyard, R., & Craig, G. (1995). Evaluating and budgeting with instalment credit: An interview study. Journal of Economic Psychology, 16(3), 449-467.
    • (1995) Journal of Economic Psychology , vol.16 , Issue.3 , pp. 449-467
    • Ranyard, R.1    Craig, G.2
  • 51
    • 84977427532 scopus 로고
    • The behavioral life-cycle hypothesis
    • Shefrin, H.M., & Thaler, R.H. (1988). The behavioral life-cycle hypothesis. Economic Inquiry, 26(4), 609-643.
    • (1988) Economic Inquiry , vol.26 , Issue.4 , pp. 609-643
    • Shefrin, H.M.1    Thaler, R.H.2
  • 52
    • 0001992635 scopus 로고
    • Mental accounting, saving, and self-control
    • In G. Loewenstein & J. Elster (Eds.), New York: Russell Sage Foundation
    • Shefrin, H.M., & Thaler, R.H. (1992). Mental accounting, saving, and self-control. In G. Loewenstein & J. Elster (Eds.), Choice over time (pp. 287-330). New York: Russell Sage Foundation.
    • (1992) Choice over time , pp. 287-330
    • Shefrin, H.M.1    Thaler, R.H.2
  • 53
    • 33745946874 scopus 로고    scopus 로고
    • Indicators of personal financial debt using a multidisciplinary behavioral model
    • Stone, B., & Maury, R.V. (2006). Indicators of personal financial debt using a multidisciplinary behavioral model. Journal of Economic Psychology, 27(4), 543-556.
    • (2006) Journal of Economic Psychology , vol.27 , Issue.4 , pp. 543-556
    • Stone, B.1    Maury, R.V.2
  • 54
    • 0000538440 scopus 로고
    • Mental accounting and consumer choice
    • Thaler, R.H. (1985). Mental accounting and consumer choice. Marketing Science, 4(3), 199-214.
    • (1985) Marketing Science , vol.4 , Issue.3 , pp. 199-214
    • Thaler, R.H.1
  • 56
    • 0019392722 scopus 로고
    • The framing of decisions and the psychology of choice
    • Tversky, A., & Kahneman, D. (1981). The framing of decisions and the psychology of choice. Science, 211(4481), 453-458.
    • (1981) Science , vol.211 , Issue.4481 , pp. 453-458
    • Tversky, A.1    Kahneman, D.2
  • 58
    • 0034189681 scopus 로고    scopus 로고
    • Self-regulatory failure: A resource-depletion approach
    • Vohs, K.D., & Heatherton, T.F. (2000). Self-regulatory failure: A resource-depletion approach. Psychological Science, 11(3), 249-254.
    • (2000) Psychological Science , vol.11 , Issue.3 , pp. 249-254
    • Vohs, K.D.1    Heatherton, T.F.2
  • 59
    • 0030529183 scopus 로고    scopus 로고
    • Financial management, coping and debt in households under financial strain
    • Walker, C.M. (1996). Financial management, coping and debt in households under financial strain. Journal of Economic Psychology, 17(6), 789-807.
    • (1996) Journal of Economic Psychology , vol.17 , Issue.6 , pp. 789-807
    • Walker, C.M.1
  • 60
    • 70350433920 scopus 로고    scopus 로고
    • Corporate profits and personal misery: Credit, gender, and the distribution of income
    • Watkins, J.P. (2009). Corporate profits and personal misery: Credit, gender, and the distribution of income. Journal of Economic Issues, 43(2), 413-422.
    • (2009) Journal of Economic Issues , vol.43 , Issue.2 , pp. 413-422
    • Watkins, J.P.1
  • 61
    • 0035430305 scopus 로고    scopus 로고
    • Life-cycle and dispositional routes into problem debt
    • Webley, P., & Nyhus, E.K. (2001). Life-cycle and dispositional routes into problem debt. British Journal of Psychology, 92(3), 423-446.
    • (2001) British Journal of Psychology , vol.92 , Issue.3 , pp. 423-446
    • Webley, P.1    Nyhus, E.K.2


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.