1,037
Views
11
CrossRef citations to date
0
Altmetric
Articles

Sirens’ Call: Understanding Poor Financial Decision Making and Credit Card Misuse

, , &
Pages 897-906 | Received 03 Mar 2015, Accepted 13 Mar 2015, Published online: 19 Jun 2015

REFERENCES

  • Alessie, R., & Lusardi, A. (1997). Consumption, saving and habit formation. Economics Letters, 55(1), 103–108.
  • American Psychological Association. (2010). Impulsivity, shortsighted decisions, and discounting. In G. J. Madden & W.K. Bickel (Eds.), Impulsivity: The b ehavioral and neurological science of d iscounting. Washington, DC: PsycCRITIQUES.
  • Aniol, J. C., & Snyder, D. K. (1997). Differential assessment of financial and relationship distress: Implications for couples therapy. Journal of Marital and Family Therapy, 23(3), 347–352.
  • Audrain-McGovern, J., Rodriguez, D., Epstein, L. H., Cuevas, J., Rodgers, K. & Wileyto, E. P. (2009). Does delay discounting play an etiological role in smoking or is it a consequence of smoking? Drug and Alcohol Dependence, 103, 99–106.
  • Black, R. A., Rounsaville, B. J., Rosenheck, R. A., Conrad, K. J., Ball, S. A., & Rosen, M. I. (2008). Measuring money mismanagement among dually diagnosed clients. Journal of Nervous and Mental Disease, 196(7), 576–579.
  • Braunstein, S., & Welch, C. (2002). Financial literacy: An overview of practice, research and policy. Federal Reserve Bulletin, 88(11), 445–457.
  • Buckland, J. (2010). Are low-income Canadians financially literate? Placing financial literacy in the context of personal and structural constraints. Adult Education Quarterly, 60(4), 357–376.
  • Collins, J. M., & Murrell, K. (2010). Using a financial coaching approach to help low-income families achieve economic success: Challenges and opportunities for the field. Retrieved from http://fyi.uwex.edu/financialcoaching/files/2010/07/Using-a-Financial-Coaching-Approach1.pdf
  • Cottrell, D., & Boston, P. (2002). Practitioner review: The effectiveness of systemic family therapy for children and adolescents. Journal of Child Psychology and Psychiatry, 43, 573–586.
  • Ernst, K., Farris, J., & King, U., (2003). Quantifying the economic cost of predatory payday lending. Center for Responsible Lending. Retrieved from http://www.responsiblelending.org/payday-lending/research-analysis/CRLpaydaylendingstudy121803.pdf
  • Fremstad, S., Ray, R., & Rho, H. J. (2008, September). Working families and economic insecurity in the States: The role of job quality and work supports. Center for Economic and Policy Research. Paper presented at meeting of the CFED conference, Washington, DC.
  • Gitman, L. J., Joehnk, M. D., & Billingsley, R. D. (2008). Personal financial planning. Independence, KY: South-Western Cengage Learning.
  • Hamilton, H. A., Noh, S., & Adlaf, E. M. (2009). Perceived financial status, health, and maladjustment in adolescence. Social Science & Medicine, 68(8), 1527–1534.
  • Hill, R. P., & Kozup, J. C. (2007). Consumer experiences with predatory lending practices. Journal of Consumer Affairs, 41(1), 29–46.
  • Hollander, E., Buchalter, A. J., & DeCaria, C. M. (2000). Pathological gambling. Psychiatric Clinics of North America, 23(3), 629–638.
  • Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.
  • Johnson, E., & Sherraden, M. S. (2007). From financial literacy to financial capability among youth. Journal of Sociology & Social Welfare, 34, 3, 119–146.
  • Lusardi, A., & Mitchell, O. S. (2008). Planning and financial literacy: How do women fare? American Economic Review, 98(2), 413–417. doi:10.1257/aer.98.2.413
  • Lyons, A. C., Rachlis, M., & Scherpf, E. (2007). What’s in a score? Differences in consumers’ credit knowledge using OLS and quantile regressions. Journal of Consumer Affairs, 41(2), 223–249.
  • Papp, L.M., Cummings, E.M., & Goeke-Morey, M.C. (2009). For richer, for poorer: Money as a topic of marital conflict in the home. Family Relations, 58(1), 91–103.
  • Robson, E., Edwards, J., Smith, G., & Coman, I. (2002). Gambling decisions: An early intervention program for problem gamblers. Journal of Gambling Studies, 18(3), 235–255.
  • Scott, R. H. (2007). Credit card use and abuse: A Veblenian analysis. Journal of Economic Issues, 41(2), 567–574.
  • Sherraden, M. (2000). From research to policy: Lessons from Individual Development Accounts. Journal of Consumer Affairs, 34(2), 159–181.
  • Smith, T., Nelson, R., Richards, K., & Shelton, V. (2012). Financial therapy: 5 steps toward financial freedom. Tallahassee, FL: Southeastern Professional Books.
  • Starrin, B., Aslund, C., & Nillson, K.W. (2009). Financial stress, shaming experiences and psychosocial ill-health: Studies into the finances-shame model. Social Indicators Research, 91(2), 283–298.
  • Urban Institute. (2009). Fact sheet on retirement policy: How is the financial crisis affecting retirement savings? Retrieved from http://www.urban.org
  • U.S. Bureau of Labor Statistics, U.S. Department of Labor. (2010). Local area unemployment statistics map. Retrieved from http://data.bls.gov/map/
  • U.S. Bureau of Labor Statistics, U.S. Department of Labor. (2011). The employment situation–May 2015. Retrieved from http://www.bls.gov/news.release/pdf/empsit.pdf
  • U.S. Internal Revenue Service. (1999). Individual income tax rates and shares, 1999. Retrieved from http://www.irs.gov/pub/irs-soi/99inrate.pdf
  • Vitt, L. A., Anderson, C., Kent, J. Lyter, D. M., Siegenthaler, J. K., & Ward, J. (2000). Personal finance and the rush to competence: Financial literacy education in the U.S. Retrieved from http://www.isfs.org/documents-pdfs/rep-finliteracy.pdf
  • Welch, S. (1985). The “more for less” paradox: Public attitudes on taxing and spending. Public Opinion Quarterly, 49(3), 310–316.
  • Wickrama, K. A. S., Lorenz, F. O., Conger, R. D., Elder, G. H., Abraham, W. T., & Fang, S. A. (2006). Changes in family financial circumstances and the physical health of married and recently divorced mothers. Social Science & Medicine, 63(1), 123–136.
  • Windle, M. (2000). Parental, sibling, and peer influences on adolescent substance use and alcohol problems. Applied Developmental Science, 4(2), 98–110.

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.