Ali, P., McRae, C., and Ramsay, I. (2015). Payday Lending Regulation and Borrower Vulnerability in the United Kingdom and Australia. Journal of Business Law, (3), 223–255.Google Scholar

Allport, G. W. (1935). Attitudes. In Murchison, E. (Ed.), Handbook of Social Psychology (pp. 798–844). Worcester, MA: Clark University Press.Google Scholar

Ando, A., and Modigliani, F. (1963). The ‘Life Cycle’ Hypothesis of Saving: Aggregate Implications and Tests. American Economic Review, 53(1), 55–84.Google Scholar

Balmer, N., Pleasence, P., Buck, A., and Walker, H. C. (2005). Worried Sick: The Experience of Debt Problems and Their Relationship with Health, Illness and Disability. Social Policy and Society, 5(1), 39–51.CrossRefGoogle Scholar

Bank of England. (1991). Developments in International Banking and Capital Markets in 1990: Asset-backed Bonds. Bank of England Quarterly Bulletin, Q2, 234–245. Retrieved 11 September 2013, from www.bankofengland.co.uk/archive/Documents/historicpubs/qb/1992/qb92q2190198.pdfGoogle Scholar

Bank of England. (2016). Quarterly Total Lending to Individuals (Including Student Loans). Retrieved 14 November 2016, from www.bankofengland.co.uk/boeapps/iadb/index.asp?first=yes&SectionRequired=A&HideNums=-1&ExtraInfo=false&Travel=NIxSTxGoogle Scholar

Becker, J., Stolberg, S. G., and Labaton, S. (2008). White House Philosophy Stoked Mortgage Bonfire. Retrieved 15 January 2016, from www.nytimes.com/2008/12/21/business/worldbusiness/21iht-21admin.18841556.htmlGoogle Scholar

Berg, A., and Ostry, J. (2011). Inequality and Unsustainable Growth: Two Sides of the Same Coin? International Monetary Fund Staff Discussion Note, 1–21.Google Scholar

Bernthal, M. J., Crockett, D., and Rose, R. L. (2005). Credit Cards as Lifestyle Facilitators. Journal of Consumer Research, 32(1), 130–145.CrossRefGoogle Scholar

Berthoud, R., and Kempson, E. (1992). Credit and Debt. The PSI Report. United Kingdom: PSI.Google Scholar

Betti, G., Dourmashkin, N., Rossi, M. C., Verma, V., and Yin, Y. (2001). Study of the Problem of Consumer Indebtedness: Statistical Aspects. Commision of European Union No. B5-1000/00/000197. Retrieved 4 August 2017, from www.iaclaw.org/Research_papers/iff_OverindebtednessandConsumerLaw.pdfGoogle Scholar

Booth, P. (2007). Rocky Road Ahead. Media Post. Institute of Economic Affairs. Retrieved 10 March 2015, from https://iea.org.uk/in-the-media/media-coverage/rocky-road-aheadGoogle Scholar

Booth, P. (2008). Bishops Should Tread Carefully in Their Response to the Financial Crash. Media Post. Institute of Economic Affairs. Retrieved 30 March 2015, from www.iea.org.uk/in-the-media/media-coverage/bishops-should-tread- carefully-in-their-response-to-the-financial-crashGoogle Scholar

Booth, P. (2009). The Causes of the Crash. In Booth, P. (Ed.), Verdict on the Crash: Causes and Policy Implications. (pp. 25–36). London: Institute of Economic Affairs.Google Scholar

Bridges, S., and Disney, R. (2010). Debt and Depression. Journal of Health Economics, 29(3), 388–403.CrossRefGoogle ScholarPubMed

Brown, S., and Taylor, K. (2008). Household Debt and Financial Assets: Evidence from Germany, Great Britain and the USA. Journal of the Royal Statistical Society. Series A: Statistics in Society, 171(3), 615–643. doi.org/10.1111/j.1467-985X.2007.00531.xCrossRefGoogle Scholar

Brown, S., Taylor, K., and Wheatley Price, S. (2005). Debt and Distress: Evaluating the Psychological Cost of Credit. Journal of Economic Psychology, 26(5), 642–663.CrossRefGoogle Scholar

Browning, M., Bourguignon, F., Chiappori, P. A., and Lechene, V. (1994). Income and Outcomes: A Structural Model of Intrahousehold Allocation. Journal of Political Economy, 102(6), 1067–1096.CrossRefGoogle Scholar

Burchell, B. J. (2004). Identifying, Describing and Understanding Financial Aversion: Financial Phobes. Argent: Journal of the Financial Services Forum, 2(3), 22–26.Google Scholar

Burton, D. (2008). Credit and Consumer Society. London: Routledge.Google Scholar

Campbell, A., Converse, P. E., and Rogers, W. L. (1976). The Quality of American Life: Perceptions, Evaluations, and Satisfactions. New York: Russell Sage.Google Scholar

Carlbring, P., Nordgren, L. B., Furmark, T., and Andersson, G. (2009). Long-term Outcome of Internet-Delivered Cognitive-Behavioural Therapy for Social Phobia: A 30-Month Follow-up. Behaviour Research and Therapy, 47(10), 848–850. doi.org/10.1016/j.brat.2009.06.012CrossRefGoogle Scholar

Carney, M. (2016). EU Referendum: Statement from Bank of England Governor Mark Carney. Retrieved 24 June 2016, from www.bbc.co.uk/news/business-36618560Google Scholar

Chatterjee, P., and Rose, R. L. (2012). Do Payment Mechanisms Change the Way Consumers Perceive Products? Journal of Consumer Research, 38(6), 1129–1139.CrossRefGoogle Scholar

Cohen-Cole, E., and Duygan-Bump, B. (2008). Household Bankruptcy Decision: The Role of Social Stigma vs. Information Sharing. Federal Reserve Bank Boston, Quantitative Analysis Unit Series Paper No. QAU08-6. Retrieved 13 March 2015, from faculty.washington.edu/jhcook/seminar/cohen-cole stigma and information in bankruptcy_10sept.pdfGoogle Scholar

Cooper Wognsen, T. P. (2013). It’d Be Weird Without McDonald’s. Aalborg Universitet.Google Scholar

D’Astous, A. (1990). An Inquiry into the Compulsive Side of ‘Normal’ Consumers. Journal of Consumer Policy, 13, 15–31.CrossRefGoogle Scholar

del Río, A., and Young, G. (2005). The Impact of Unsecured Debt on Financial Distress Among British Households. Bank of England, Working Paper No. 262. Retrieved 4 August 2017, from www.bankofengland.co.uk/archive/Documents/historicpubs/workingpapers/2005/wp262.pdfGoogle Scholar

Dossey, L. (2007). Debt and Health. Explore: The Journal of Science and Healing, 3(2), 83–90. doi.org/10.1016/j.explore.2006.12.004CrossRefGoogle ScholarPubMed

Draut, T., and Silva, J. (2003). Borrowing to Make Ends Meet: The Growth of Credit Card Debt in the ‘90s. New York: Demos.Google Scholar

Draut, T., and Silva, J. (2007). Borrowing to Make Ends Meet: The Growth of Credit Card Debt in the ‘90s. New York: Demos.Google Scholar

Drentea, P. (2000). Age, Debt and Anxiety. Journal of Health and Social Behavior, 41(4), 437–450. doi.org/10.2307/2676296CrossRefGoogle ScholarPubMed

Drentea, P., and Lavrakas, P. J. (2000). Over the Limit: The Association Among Health, Race and Debt. Social Science and Medicine, 50(4), 517–529.CrossRefGoogle ScholarPubMed

Drentea, P., and Reynolds, J. R. (2012). Neither a Borrower nor a Lender Be: The Relative Importance of Debt and SES for Mental Health Among Older Adults. Journal of Aging and Health, 24, 673–695.CrossRefGoogle Scholar

Dunn, L. F., and Mirzaie, I. (2016). Consumer Debt Stress, Changes in Household Debt, and the Great Recession. Economic Inquiry, 54(1), 201–214.CrossRefGoogle Scholar

Edwards, S. (2003). In Too Deep: CAB Clients’ Experience of Debt. London: Citizens Advice.Google Scholar

Efrat, R. (2006). The Evolution of Bankruptcy Stigma. Theoretical Inquiries in Law, 7(2), 365–393.CrossRefGoogle Scholar

Elder, G. H. (1985). Life Course Dynamics. Trajectories and Transitions, 1968–1980. Ithaca, NY: Cornell University Press.Google Scholar

Eurostat – SILC. (2008). 2008 Module: Over-indebtedness and Financial Exclusion. Retrieved 22 November 2016 from ec.europa.eu/eurostat/web/income-and-living-conditions/data/ad-hoc-modulesGoogle Scholar

Faber, R. (1988). Compulsive Consumption and Credit Abuse. Journal of Consumer Policy, 11, 97–109.CrossRefGoogle Scholar

Festinger, L. (1954). A Theory of Social Comparison Processes. Human Relations, 7(2), 117–140.CrossRefGoogle Scholar

Fitch, C., Hamilton, S., Bassett, P., and Davey, R. (2011). The Relationship Between Personal Debt and Mental Health: A Systematic Review. Mental Health Review Journal, 16(4), 153–166.CrossRefGoogle Scholar

Ford, J. (1988). The Indebted Society: Credit and Default in the 1980s. New York: Routledge.Google Scholar

Ford, J. (1991). Consuming Credit: Debt and Poverty in the UK. London: Child Poverty Action Group (CPAG).Google Scholar

Frank, R. H., Levine, A. S., and Dijk, O. (2010). Expenditure Cascades. SSRN Electronic Journal, 1–30. doi.org/10.2139/ssrn.1690612Google Scholar

Frederick, S., Loewenstein, G., and O’Donoghue, T. (2002). Time Discounting and Time Preference: A Critical Review. Journal of Economic Literature, 40, 351–401.CrossRefGoogle Scholar

Gathergood, J. (2011). Demand, Capacity and Need for Debt Advice in the United Kingdom. Money Advice Trust. Retrieved 4 August 2017, from, http://www.moneyadvicetrust.org/SiteCollectionDocuments/Research%20and%20reports/demand_and_capacity.pdfGoogle Scholar

Georgarakos, D., Lojschova, A., and Ward-Wamedinger, M. (2010). Mortgage Indebtedness and Household Financial Distress. European Central Bank, Working Paper No. 1156.CrossRefGoogle Scholar

Godwin, D. H. (1997). Dynamics of Households’ Income Debt and Attitudes Toward Credit, 1983–1989. Journal of Consumer Affairs, 31(2), 303–325.CrossRefGoogle Scholar

Grable, J. E. (2000). Financial Risk Tolerance and Additional Factors That Affect Risk Taking in Every Day Money Matters. Journal of Business and Pyschology, 14(4), 625–630.Google Scholar

Graeber, D. (2011). Debt. The First 5,000 Years. Brooklyn: Melville House.Google Scholar

Gregg, S. (2009). Moral Failure: Borrowing, Lending and the Financial Crisis. In Booth, P. (Ed.), Verdict on the Crash: Causes and Policy Implications (pp. 145–56). London: Institute of Economic Affairs.Google Scholar

Griffiths, M. (2008). Guest Editorial: Themed Issue: Consumer Issues in Credit and Debt. International Journal of Consumer Studies, 32(3), 187.CrossRefGoogle Scholar

Gumy, J. M. (2013). The Impact of Unemployment, Childbirth and Partnership Dissolution on Perceived Problematic Debt in the UK, Germany and Luxembourg. Thesis, University of Cambridge.Google Scholar

Hamilton, V. L. (1980). Intuitive Psychologist or Intuitive Lawyer? Alternative Models of the Attribution Process. Journal of Personality and Social Psychology, 39(5), 767–772.CrossRefGoogle Scholar

Harris, C. (1987). The Individual and Society: A Processual Approach. In Bryman, A., Bytheway, B., Allatt, P., and Keil, T. (Eds.), Rethinking the Life Cycle. London: Macmillan Press.Google Scholar

Harris, R., Seldon, A., and Naylor, M. (1959). Hire Purchase in a Free Society. London: Institute of Economic Affairs.Google Scholar

Heffetz, O. (2011). A Test of Conspicuous Consumption: Visibility and Income Elasticities. Review of Economics and Statistics, XCIII(4), 1101–1118.CrossRefGoogle Scholar

Hintikka, J., Kontula, O., Saarinen, P., Tanskanen, A., Koskela, K., and Viinamäki, H. (1998). Debt and Suicidal Behaviour in the Finnish General Population. Acta Psychiatrica Scandinavica, 98(6), 493–496. doi.org/10.1111/j.1600-0447.1998.tb10125.xCrossRefGoogle ScholarPubMed

Hirschman, E. C. (1979). Differences in Consumer Purchase Behavior by Credit Card Payment System. Journal of Consumer Research, 6(1), 58–66.CrossRefGoogle Scholar

Huls, N. (1993). Towards a European Approach to Overindebtedness of Consumers. Journal of Consumer Policy, 16(2), 215–234. doi.org/10.1007/BF01418377CrossRefGoogle Scholar

Hyman, L. (2012). The Politics of Consumer Debt: U.S. State Policy and the Rise of Investment in Consumer Credit, 1920–2008. Annals of the American Academy of Political and Social Science, 644, 40–49.CrossRefGoogle Scholar

Inglehart, R. (1977). The Silent Revolution: Changing Values and Political Styles Among Western Publics. Princeton: Princeton University Press.Google Scholar

Inglehart, R. (2008). Changing Values Among Western Publics from 1970 to 2006. West European Politics, 31(1–2), 130–146. doi.org/10.1080/01402380701834747CrossRefGoogle Scholar

Institute of Economic Affairs. (2016). Mission Statement. Retrieved 22 November 2016, from iea.org.uk/about-usGoogle Scholar

Jarvis, S., and Jenkins, S. P. (1999). Marital Splits and Income Changes: Evidence from the British Household Panel Survey. Population Studies, 53(2), 237–254.CrossRefGoogle Scholar

Jenkins, R., Bhugra, D., Bebbington, P., Brugha, T., Farrell, M., Coid, J., et al. (2008). Debt, Income and Mental Disorder in the General Population. Psychological Medicine, 38(10), 1485–1493. doi.org/10.1017/S0033291707002516CrossRefGoogle ScholarPubMed

Jianakoplos, N. A., and Bernasek, A. (1998). Are Women More Risk Averse? Economic Inquiry, 36(4), 629–630.CrossRefGoogle Scholar

Kamleitner, B., and Kirchler, E. (2007). Consumer Credit Use: A Process Model and Literature Review. Revue européenne de psychologie appliquée/European Review of Applied Psychology, 57(4), 267–283. doi.org/doi: DOI: 10.1016/j.erap.2006.09.003CrossRefGoogle Scholar

Kan, M.-Y., and Laurie, H. (2010). Savings, Investments, Debts and Psychological Well-being in Married and Cohabiting Couples. ISER Working Paper Series. Essex.Google Scholar

Keese, M. (2012). Who Feels Constrained by High Debt Burdens? Subjective vs Objective Measures of Household Debt. Journal of Economic Psychology, 33(2), 125–141.CrossRefGoogle Scholar

Kempson, E., and Atkinson, A. (2006). Overstretched: People at Risk of Financial Difficulties. Bristol: Genworth Financial.Google Scholar

Krueger, D., and Perri, F. (2002). Does Income Inequality Lead to Consumption Inequality? Evidence and Theory. NBER Working Paper 9202. Retrieved 15 April 2015, from www.nber.org/papers/w9202.pdfCrossRefGoogle Scholar

Kumhof, M., Rancière, R., and Winant, P. (2015). Inequality, Leverage, and Crises. American Economic Review, 105(3), 1217–1245. doi.org/10.1257/aer.20110683CrossRefGoogle Scholar

Lamming, A. (2011). ’My Old Friend Wonga’: Experiences of Using Payday Loans as Revealed in Online Forums. Thesis. University of Cambridge.Google Scholar

Lancaster, G., and Ray, R. (2002). Tests of Income Pooling on Household Budget Data: The Australian Evidence. Australian Economic Papers, 41(1), 99–114.CrossRefGoogle Scholar

Lazzarato, M. (2011). The Making of the Indebted Man: An Essay on the Neoliberal Condition. Los Angeles: Semiotext.Google Scholar

Leigh-Pemburton, R. (1988). Personal Credit in Perspective. Governor’s Speech at the Annual Luncheon of the Newspaper Conference. Bank of England Quarterly Bulletin, Q1, 48–50. Retrieved 24 August 2013, from www.bankofengland.co.uk/archive/Documents/historicpubs/qb/1988/qb88q14850.pdfGoogle Scholar

Livingstone, S. M., and Lunt, P. K. (1992). Predicting personal debt and debt repayment: psychological, social and economic determinants. Journal of Economic Psychology, 13(1), 111–134. doi.org/10.1016/0167-4870(92)90055-cCrossRefGoogle Scholar

Lown, J. M., and Ju, I. (1992). A Model of Credit Use and Financial Satisfaction. Financial Counseling and Planning, 3, 105–125.Google Scholar

Lusardi, A., and Tufano, P. (2009). Debt Literacy, Financial Experiences and Overindebtedness. NBER Working Paper No. 14808.CrossRefGoogle Scholar

Manning, R. (2000). Credit Card Nation: The Consequences of America’s Addiction to Credit. New York: Basic Books.Google Scholar

Manser, M., and Brown, M. (1980). Marriage and Household Decision-Making: A Bargaining Analysis. International Economic Review, 21(1), 31–44.CrossRefGoogle Scholar

Marron, D. (2007). ‘Lending by Numbers’: Credit Scoring and the Constitution of Risk Within American consumer Credit. Economy and Society, 36(1), 103–133.CrossRefGoogle Scholar

Matthews, K. A., and Gallo, L. C. (2011). Psychological Perspectives on Pathways Linking Socioeconomic Status and Physical Health. Annual Review of Psychology, 62, 501–530.CrossRefGoogle ScholarPubMed

McKillop, D., and Wilson, J. (2015). Credit Unions as Cooperative Institutions: Distinctiveness, Performance and Prospects. Social and Environmental Accounting Journal, 35(2), 96–112.CrossRefGoogle Scholar

Meltzer, H., Bebbington, P., Brugha, T., Jenkins, R., McManus, S., and Dennis, M. S. (2011). Personal Debt and Suicidal Ideation. Psychological Medicine, 41(4), 771–778.CrossRefGoogle ScholarPubMed

Milanovic, B. (2009). Two Views on the Cause of the Global Crisis. YaleGlobal Online, 11–13. Retrived 13 April 2015, from at: http://yaleglobal.yale.edu/content/two-views-global-crisisGoogle Scholar

Montgomerie, J. (2010). Neoliberalism and the Making of Subprime Borrowers. In M. Konings (Ed.), The Great Credit Crash (pp. 103–118). London: Verso.Google Scholar

Morgan, R., and Christen, M. (2003). Keeping Up with the Joneses: The Effect of Income Inequality on Demand for Consumer Credit. Insead. Retrieved 23 July 2014, from flora.insead.edu/fichiersti_wp/inseadwp2003/2003–67.pdfGoogle Scholar

Mullainathan, S., and Shafir, E. (2009). Saving Policy and Decision-Making in Low-Income Households. In R. Blanc and M. Barr (Eds.), Insufficient Funds: Saving, Assets, Credit, and Banking Among Low-Income Households (pp. 121–146). New York: The Russell Sage Foundation.Google Scholar

Office for National Statistics. (2015). Housing and Home Ownership in the UK. Retrieved 14 November 2016, from visual.ons.gov.uk/uk-perspectives-housing-and-home-ownership-in-the-uk/Google Scholar

O’Loughlin, D., and Szmigin, I. (2006). ‘I’ll Always Be in Debt’: Irish and UK Student Behaviour in a Credit Led Environment. Journal of Consumer Marketing, 23(6), 335–343. doi.org/10.1108/07363760610701878CrossRefGoogle Scholar

O’Rand, A. M., and Krecker, M. L. (1990). Concepts of the Life Cycle: Their History, Meanings, and Uses in the Social Sciences. Annual Review of Sociology, 16(1), 241–262.CrossRefGoogle Scholar

Orton, M. (2009). Understanding the Exercise of Agency Within Structural Inequality: The Case of Personal Debt. Social Policy and Society, 8(4), 487–498.CrossRefGoogle Scholar

Packman, C. (2014). Payday Lending: Global Growth of the High-Cost Credit Market. London: Palgrave Macmillan.CrossRefGoogle Scholar

Pahl, J. (1989). Money and Marriage. London: Palgrave Macmillan.CrossRefGoogle Scholar

Pahl, J. (1995). His Money, Her Money: Recent Research on Financial Organisation in Marriage. Journal of Economic Psychology, 16, 361–376.CrossRefGoogle Scholar

Payne, C. (2013). The Consumer, Credit and Neoliberalism. London: Routledge.Google Scholar

Plagnol, A. (2011). Financial Satisfaction over the Life Course: The Influence of Assets and Liabilities. Journal of Economic Psychology, 32(1), 45–64. doi.org/10.1016/j.joep.2010.10.006CrossRefGoogle Scholar

Poster, W. R. (2013). Hidden Sides of the Credit Economy: Emotions, Outsourcing, and Indian Call Centres. International Journal of Comparative Sociology, 54(3), 205–227.CrossRefGoogle Scholar

Powell, M., and Ansic, D. (1997). Gender Differences in Risk Behaviour in Financial Decision-Making: An Experimental Analysis. Journal of Economic Psychology, 18(6), 605–628.CrossRefGoogle Scholar

Rajan, R. (2010). Fault Lines: How Hidden Fractures Still Threaten the World Economy. Princeton: Princeton University Press.Google Scholar

Rammstedt, B. (2009). Subjective Indicators. RatSWD Working Paper Series No. 119. Berlin. Retrieved 4 August 2017, from www.ratswd.de/download/RatSWD_WP_2009/RatSWD_WP_119.pdfCrossRefGoogle Scholar

Ranyard, R. (2014). The Psychology of Consumer Credit Risk Management: Impact on the UK Payment Protection Insurance (PPI) Market. Impact Case Study. University of Bolton. Retrieved 4 August 2017, from impact.ref.ac.uk/casestudies2/refservice.svc/GetCaseStudyPDF/27159Google Scholar

Ranyard, R., and McHugh, S. (2012). Bounded Rationality in Credit Consumers’ Payment Protection Insurance Decisions: The Effect of Relative Cost and Level of Cover. Journal of Risk Research, 15(8), 937–950. doi.org/10.1080/13669877.2012.686050CrossRefGoogle Scholar

Reading, R., and Reynolds, S. (2001). Debt, Social Disadvantage and Maternal Depression. Social Science and Medicine, 53(4), 441–453.CrossRefGoogle ScholarPubMed

Richardson, T., Elliott, P., and Roberts, R. (2013). The Relationship Between Personal Unsecured Debt and Mental and Physical Health: A Systematic Review and Meta-analysis. Clinical Psychology Review. doi.org/10.1016/j.cpr.2013.08.009CrossRefGoogle Scholar

Rosenbleeth, R. (2008). A Credit-Crunch Reader: Free-Market Blog and Think-Tank Responses to the Crash of 2008. IEA Current Controversies Paper No. 29. London. Retrieved 10 March 2015, from www.iea.org.uk/publications/research/a-credit-crunch-reader-web-publicationGoogle Scholar

Ross, L., and Squires, G. (2011). The Personal Costs of Subprime Lending and the Foreclosure Crisis: A Matter of Trust, Insecurity, and Institutional Deception. Social Science Quarterly, 92(1), 140–163.CrossRefGoogle Scholar

Rowlingson, K., Appleyard, L., and Gardner, J. (2016). Payday Lending in the UK: The Regul(aris)ation of a Necessary Evil? Journal of Social Policy, 1–17. doi.org/10.1017/S0047279416000015Google ScholarPubMed

Samuelson, P. (1937). A Note on the Measurement of Utility. Review of Economic Studies, 4(2), 155–161.CrossRefGoogle Scholar

Schulte-Mecklenbeck, M., Kühberger, A., and Ranyard, R. (2011). The Role of Process Data in the Development and Testing of Process Models of Judgment and Decision Making. Judgment and Decision Making, 6(8), 733–739.CrossRefGoogle Scholar

Scott, J., and Dex, S. (2009). Paid and Unpaid Work. In Miles, J. and Probert, R. (Eds.), Sharing Lives, Dividing Assets: An Interdisciplinary Study (pp. 41–59). Oxford: Hart.Google Scholar

Shapiro, G. K., and Burchell, B. J. (2012). Measuring Financial Anxiety. Journal of Neuroscience, Psychology, and Economics, 5(2), 92–103. doi.org/10.1037/a0027647CrossRefGoogle Scholar

Shefrin, H. M., and Thaler, R. H. (1988). The Behavioral Life Cycle Hypothesis. Economic Inquiry, 26(4), 609–643. doi.org/10.1111/j.1465–7295.1988.tb01520.xCrossRefGoogle Scholar

Sinclair, R. R., Sears, L. F., Probst, T., and Zajack, M. (2010). A Multilevel Model of Economic Stress and Employee Well-being. In Houdmont, J. and Leka, S.(Eds.), Contemporary Occupational Health Psychology: Global Perspectives on Research and Practice (pp. 1–20). West Sussex: Wiley-Blackwell.Google Scholar

Skott, P. (2013). Increasing Inequality and Financial Instability. Review of Radical Political Economics, 45, 478–488.CrossRefGoogle Scholar

Sparkes, M. (2015). Borrowed Identities: Credit, Debt and Classificatory Struggles in Neoliberal Britain. Thesis, University of York. Retrieved 29 March 2016, from etheses.whiterose.ac.uk/11360/Google Scholar

Statistic Brain. (2016). Home Foreclosure Statistics. Retrieved 21 October 2016, from www.statisticbrain.com/home-foreclosure-statistics/Google Scholar

StepChange Debt Charity. (2015). England and Wales Court Action. Retrieved 14 July 2015, from www.stepchange.org/Debtinformationandadvice/Whatyourcreditorscando/Courtaction/EnglandWalescourtaction/Chargingorder.aspxGoogle Scholar

Stiglitz, J. (2013). The Price of Inequality. London: W. W. Norton.CrossRefGoogle Scholar

Sullivan, T. A., Warren, E., and Westbrook, J. L. (1999). As We Forgive Our Debtors. New York: Beard.Google Scholar

Sweet, E., Nandi, A., Adam, E., and McDade, T. (2013). The High Price of Debt: Household Financial Debt and Its Impact on Mental and Physical Health. Social Science and Medicine, 91, 94–100.CrossRefGoogle Scholar

Tach, L., and Sternberg-Greene, S. (2014). ‘Robbing Peter to Pay Paul’: Economic and Cultural Explanations for How Lower-Income Families Manage Debt. Social Problems, 61(1), 1–21.Google Scholar

Thaler, R. H. (1990). Anomalies: Saving, Fungibility, and Mental Accounts. Journal of Economic Perspectives, 4(1), 193–205. doi.org/10.1257/jep.4.1.193CrossRefGoogle Scholar

Thatcher, M. (1982). Leaders Speech: Conservative Party Conference. Retrieved 28 August 2013, from www.britishpoliticalspeech.org/speech-archive.htm?speech=128Google Scholar

The Money Charity. (2007). Debt Facts and Figures. Retrieved 20 August 2015, from themoneycharity.org.uk/media/august-2007.pdfGoogle Scholar

Tokunaga, H. (1993). The Use and Abuse of Consumer Credit: Application of Psychological Theory and Research. Journal of Economic Psychology, 14(2), 285–316.CrossRefGoogle Scholar

Trade Union Congress. (2016). Britain in the Red: Why We Need Action to Help Over-indebted Households. London. Retrieved 15 November 2016, from www.tuc.org.uk/sites/default/files/Britain-In-The-Red-2016.pdfGoogle Scholar

Trumbull, G. (2014). Consumer Lending in France and America: Credit and Welfare. Cambridge: Cambridge University Press.CrossRefGoogle Scholar

US Census Bureau. (2017). Quarterly Residential Vacancies and Homeownership. Retrieved 4 August 2017, from www.census.gov/housing/hvs/files/currenthvspress.pdfGoogle Scholar

US Federal Reserve. (2016a). Consumer Credit Outstanding (Levels), Historical Data. Retrieved 14 November 2016, from www.federalreserve.gov/releases/G19/HIST/cc_hist_sa_levels.htmlGoogle Scholar

US Federal Reserve. (2016b). Mortgage Debt Outstanding. Retrieved 4 August 2017, from www.federalreserve.gov/econresdata/releases/mortoutstand/mortoutstand2016.htmGoogle Scholar

Van Treeck, T. (2014). Did Inequality Cause the U.S. Financial Crisis? Journal of Economic Surveys, 28(3), 421–448. doi.org/10.1111/joes.12028CrossRefGoogle Scholar

Veenhoven, R. (2007). Subjective Measures of Well-Being. In McGillivray, M. (Ed.), Human Well-Being, Concept and Measurement (pp. 214–239). Houndsmills: Palgrave Macmillan.CrossRefGoogle Scholar

Vogler, C., Brockmann, M., and Wiggins, R. D. (2006). Intimate Relationships and Changing Patterns of Money Management at the Beginning of the Twenty-First Century. British Journal of Sociology, 57(3), 455–482.CrossRefGoogle ScholarPubMed

Vogler, C., and Pahl, J. (1993). Social and Economic Change and the Organisation of Money Within Marriage. Work, Employment and Society, 7(1), 71–95.CrossRefGoogle Scholar

Walker, C. (2012). Neoliberal Ideology and Personal Debt in the United Kingdom. In Walker, C., Johnson, K., and Cunningham, L. (Eds.), Community Psychology and the Socio-economics of Mental Distress: International Perspectives (pp. 49–61). London: Palgrave Macmillan.CrossRefGoogle Scholar

Walker, C., Hanna, P., Cunningham, L., and Ambrose, P. (2014). ‘A Kind of Mental Warfare’: An Economy of Affect in the UK Debt Collection Industry. Australian Community Psychologist, 26(2), 54–67.Google Scholar

Webley, P., and Nyhus, E. K. (2001). Life-cycle and Dispositional Routes into Problem Debt. British Journal of Psychology, 92(3), 423–446.CrossRefGoogle ScholarPubMed

West, M. (2016). City Watchdog Takes Over Control of Credit Industry. Retrieved 18 November 2016, from www.thisismoney.co.uk/money/bills/article-2578978/Payday-lenders-face-cap-charges-year-City-Watchdog-takes-control-consumer-creditGoogle Scholar

Westaway, J., and Mckay, S. (2007). Women’s Financial Assets and Debts. London. Retrieved 4 August 2017, from www.friendsprovidentfoundation.org/wp-content/uploads/2014/07/Womens-Financial-Assets-and-Debts.pdfGoogle Scholar

Wilkinson, R., and Pickett, K. (2009). The Spirit Level: Why More Equal Societies Almost Always Do Better. London: Penguin.Google Scholar

Wohl, M. J. A., Pychyl, T. A., and Bennett, S. H. (2010). I Forgive Myself, Now I Can Study: How Self-Forgiveness for Procrastinating Can Reduce Future Procrastination. Personality and Individual Differences, 48(7), 803–808.CrossRefGoogle Scholar

Yip, P. S. F., Yang, K. C. T., Ip, B. Y. T., Law, Y. W., and Watson, R. (2007). Financial Debt and Suicide in Hong Kong SAR. Journal of Applied Social Psychology, 37(12), 2788–2799.CrossRefGoogle Scholar