Life-cycle and dispositional routes into problem debt
Bibliographic Data
| ID | 5268933 |
|---|---|
| Authors | Paul Webley (University of Exeter, corresponding author), Ellen K Nyhus (0000-0002-0764-3274, Tilburg University) |
| Year | 2001 |
| Volume | 92 |
| Issue | 3 |
| Pages | 423-446 |
| Publication date | 2001-08-01 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | British Journal of Psychology (JOURNAL) |
| Journal identifiers | ISSN: 0007-1269 • E-ISSN: 2044-8295 |
| Publisher | Wiley (PUBLISHER • GB) |
| DOI | 10.1348/000712601162275 |
| PMID | 11534738 |
| OpenAlex | W2025198877 |
| Language | EN |
| Citations received | 41 |
This paper presents analyses of the correlates of debt in a three-wave panel study of saving and other financial behaviour. The data used came from a representative sample of Dutch households. The results confirm the findings of previous studies on non-representative samples and demonstrate that although economic variables alone predict debt quite well, psychological factors (especially present orientation, self-control and attitudes towards debt) improve our ability to predict indebtedness. The results also suggest that for most individuals being in debt is a short-term problem: chronic debtors are a small group and are distinguished by having more limited economic and social resources, being more present-oriented and finding it more difficult to control their expenditure than temporary debtors. Dynamic analyses suggest, however, that many of the differences in psychological variables between debtors and non-debtors may be a consequence of being in debt rather than a cause of it
Control (management) · Debt · Economics · Monetary economics · Sample (material) · Finance · Financial Literacy, Pension, Retirement Analysis · Housing Market and Economics · Housing, Finance, and Neoliberalism · Psychology · Social Psychology
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| Citations per year | 1.86 |
|---|---|
| Citation span | 2004 - 2025 (22) |
| Highly cited | No |