I Owe You One: A Novel

“You fancy the guy next door …” Morag is reading aloud from her questionnaire, looking utterly perplexed. “What do you do about it? One: Look him up on Tinder.…”

Blood is thumping through my temples as I look from Morag, peering at her questionnaire, to Nicole, who’s trying to balance a saucepan on her outstretched fingers while Greg takes a photo. I turn to gaze at Uncle Ned, still contentedly filling his basket up with our stuff, and then Jake, who is now talking to Bob about the “Ralph Lauren look.”

I don’t know where to start.

I think I’m going a bit mad.

“Hey, Fixie,” comes Stacey’s sardonic voice in my ear. “I know they’re your family and all.” She pauses and leans closer. “But they’re shit.”

For a flustered moment I don’t know how to respond.

“No, they’re not!” I retort at last, trying to sound convinced. “That’s totally … They’re …” I wince as Nicole drops the saucepan with a clatter and exclaims, “Oh, it’s dented now! Greg, get another one.”

“Look at them,” says Stacey, unmoved. “They don’t know anything about Farrs. All I’m saying is … you better watch out.”



When I get home that evening, I’m bone-weary. It’s been exhausting trying to wrangle each member of the family in turn. Uncle Ned was “offended to the core” that I’d thought he was trying to purloin goods for free. “Naturally” he’d only meant a 40 percent discount.

So then I had to explain that our discount is 20 percent. Whereupon his mouth curled up and he put back the teapot and the tablecloth.

Greg and Morag finally completed their psychological questionnaires, then vigorously disputed the results. Morag, in particular, was highly offended to be told she was a Goat. It didn’t help that Nicole started her spiel by saying, “The Goat is what we call a negative personality, so you might want to work on your positive qualities, Morag.”

Morag went all pink and huffy, but Nicole didn’t even notice. Meanwhile, Greg had looked all the profiles up online and decided he wanted to be a Lion. But Nicole said he couldn’t be a Lion, he was the opposite of a Lion. So he answered the whole questionnaire again with different answers but he still wasn’t a Lion, he was a Pony. Whereupon he sulked for the rest of the day.

I’m sure all this personality stuff makes sense with a trained, tactful person doing it. But Nicole isn’t trained or tactful. All she’s achieved is to upset people. Only of course I couldn’t say anything negative in public, so I filled one out myself and listened while Nicole explained it to me. I can’t even remember what I was—maybe a Panda? (Stacey refused to do hers. She said, “I know which personality I am already. I’m Stroppy Bitch.”)

Then we tried to look at how Nicole’s yoga class was going to work and nearly had a massive row in public, because she all she kept saying was, “You promised me space, Fixie, you promised me space,” but didn’t seem to have any idea where the space should come from. We compromised in the end by getting rid of the leisure section, reducing the baking section, and halving the glassware, but it’s not ideal.

At least I managed to talk Jake out of booking hardwood-flooring companies to come and quote next week. But I gave in over the “relaunch.” He wants to throw a party and invite “cool people” and “influencers” and “put Farrs on the map.”

I mean, whatever. If he can get some cool people to come along to Farrs, then good luck to him.

I dump my bag and jacket in the hall, head to the kitchen, and stop in delight. Ryan is sitting at the table, drinking a beer, watching the news on our tiny TV, and scrolling down his phone. He looks so at home, I feel a bubble of joy expand inside me. He’s here! I honestly thought—

Well, I didn’t know what to think. He was so casual when we said goodbye the other night, I was afraid he might already be moving on. So somehow, these last two days, I’ve forced myself not to text him constantly but to play it cool. Wait for him to make the next move. And it’s worked!

“Hi!” I say. I’m trying to sound casual, but my voice is giddy with relief. “Didn’t expect you tonight.”

“Nicole let me in,” he says, standing up. “I thought you’d get back earlier.”

“We had a crisis over a damaged delivery,” I say apologetically. “It tied me up.”

“No biggie.” He smiles. “You’re here now.”

He pulls me into his arms and I close my eyes, almost swooning as our mouths meet. I hadn’t realized how desperate I was for him. The touch of him, the scent of him … the himness of him.

It’s been so long since I had a proper boyfriend. Not that I would admit this to him.

“So how it going?” I draw back and survey his face. “How’s the job?”

The only two texts I’ve sent Ryan were wishing him luck with the job and then asking how his first day had gone. He didn’t reply to either, but I figured he was super-busy.

“It’s great!” His face creases into a smile. “Couldn’t be better.”

“Fantastic!” I say in delight. “So you like the work?”

“Love it,” he says emphatically. “And I think I’ll be good at it, you know? I’m not saying I’m an expert, but I get what they’re trying to do. What we’re trying to do,” he corrects himself, a little self-consciously, and I give him another hug. This is all even better than I hoped.

“I’m so happy,” I murmur against his shoulder. “I really hoped it would work out. And is Seb a good boss?”

I ask it more for form’s sake than anything else, and I’m surprised when Ryan stiffens slightly.

“He’s fine,” he says after a pause. “He’s OK.”

“Only OK?” I feel a tad disappointed. I don’t know why, but I assumed Seb would be a brilliant boss.

“No, he’s great,” Ryan backtracks. “He’s fine. All good.” He flashes a smile and I automatically return it—but I’m still preoccupied.

“So, what’s the issue?” I can’t help probing.

“Nothing.” Ryan brushes it off. “I shouldn’t have said anything. He’s great.”

“But … ?” I persist. I know there’s a “but,” and I have to know what it is.

“OK.” Ryan exhales. “Well, I guess there’s a bit of tension.”

“Tension?” I stare at him. “Why would there be tension?”

“It’s tricky.” Ryan hesitates as though marshaling his words. “Thing is, people in the office are coming to me. Asking my opinion. And Seb doesn’t like it.” Ryan winces. “I think he’s threatened.”

“Why would Seb be threatened by you?” I say, astonished. “He set up his own investment company. You don’t know anything about investment. How can you be a threat?”

I have a flashback to Seb in his office. His open manner. His laugh. He doesn’t seem like he would be threatened by anyone. He seems like the type who would be interested in all viewpoints.

“I agree!” Ryan exclaims, nodding vigorously. “I’m a beginner! But here’s the thing: I knew a lot of people in the States. Entrepreneurs, tech companies, environmental outfits … I picked stuff up. And the guys want to hear it. All except Seb. He’s a nice guy but closed-minded. He likes his ‘process.’ ”

I’m silent for a moment, digesting this. This isn’t what I imagined of Seb—but then, I’ve only had a few conversations with him, I remind myself. I’ve never seen him in a work situation. Maybe he’s more cautious and set in his ways than he appears.

“We had a big meeting yesterday,” Ryan continues. “Who ends up taking it? Me. They’re talking about tech. I let them have their say, but then I’m like, ‘Have you even been to San Francisco? Have you met the guys at the cutting edge? Because I have. I know their names. I’ve swum in their fucking pools.’ ”

“Wow,” I breathe. “That sounds amazing!”

“I was telling them about tech start-ups they hadn’t even heard of.” Ryan nods. “They were writing it all down. Lapping it up.”

“So what’s the problem?”

“Seb,” says Ryan, rolling his eyes. “Didn’t like it.”

“How could he not like it?” I say, perplexed. “You’re only sharing information.”

“He’s a control freak.” Ryan shrugs. “He’s like, ‘Stay in your box, Ryan.’ But I don’t stay in boxes. Sorry, but that’s who I am.”

His California-blue eyes are shining and he’s brimming over with energy. I have a sudden vision of him taking a boardroom by storm. Blowing everyone away with his charisma and insider knowledge. Of course he’s made an impact, how could he not? And maybe he’s right—maybe Seb doesn’t like it.

“Well, it’s early days,” I say at last. “I’d tread carefully if I were you. Be tactful.”

“Oh, I am.” Ryan nods again. “And you know what, I’m not complaining. It’s all good. The main thing is, I’m in work, and that’s down to you.”

He looks so radiant, I can’t help beaming back.

“I’m so proud of you,” I say, gazing up at him. “They’re lucky to have you!”

“Fixie,” he says affectionately, and kisses my nose. “Every guy needs a Fixie, you know that?”

“I’ve missed you,” I murmur, running my hands down his back.

“Mmm, me too,” he says, but he doesn’t kiss me again. He’s looking at his phone over my shoulder, I realize.

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