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Consumption, habit formation, and precautionary saving: evidence from the British Household Panel Survey

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Author Info
Alessandra Guariglia

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Abstract

In this paper, we generalise Weil's (1993) model, which is based on hybrid non-expected utility preferences, by allowing for habit formation. We use this generalised model to derive an Euler equation, where current consumption changes depend on lagged changes and labour income risk. We then estimate this Euler equation using data from the British Household Panel Survey (BHPS) for the period 1992--97. Our results suggest that both labour income risk and past changes in consumption play an important role in determining current changes in consumption. We then compare the model with habits with the one without, and strongly reject the latter. Copyright 2002, Oxford University Press.

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Publisher Info
Article provided by Oxford University Press in its journal Oxford Economic Papers.

Volume (Year): 54 (2002)
Issue (Month): 1 (January)
Pages: 1-19
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Handle: RePEc:oup:oxecpp:v:54:y:2002:i:1:p:1-19

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  1. Alessie, R. & Teppa, F., 2002. "Saving and habit formation: : evidence from Dutch panel data," Discussion Paper 62, Tilburg University, Center for Economic Research. [Downloadable!]
    Other versions:
  2. Alessandra Guariglia & Mariacristina Rossi, 2003. "Private Medical Insurance and Saving: Evidence from the British Household Panel Survey," CEIS Research Paper 39, Tor Vergata University, CEIS. [Downloadable!]
    Other versions:
  3. Jürgen Maurer & André Meier, 2005. "Do the "Joneses" really matter? Peer-group versus correlated effects in intertemporal consumption choice," IFS Working Papers W05/15, Institute for Fiscal Studies. [Downloadable!]
  4. Sarah Brown & Karl Taylor, 2005. "Household Debt and Financial Assets: Evidence from Great Britain, Germany and the United States," Discussion Papers in Economics 05/5, Department of Economics, University of Leicester. [Downloadable!]
  5. Andrew Benito, . "Does job insecurity affect household consumption?," Bank of England working papers 220, Bank of England. [Downloadable!]
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This page was last updated on 2008-8-18.


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