I Owe You One: A Novel

Anyway. Rewind to the point: our eyes met over the barbecue and that was the beginning. One of those kismet moments that influence your life forever. A moment to cherish. A moment to mark, a decade later, with lunch at the Bar.

We like the Bar. It has great food and we love the vibe. Dan and I like a lot of the same things, actually – films, stand-up comedy, walks – although we have healthy differences too. You’ll never see me getting on a bike for exercise, for example. And you’ll never see Dan doing Christmas shopping. He has no interest in presents, and his birthday becomes an actual tussle. (Me: ‘You must want something. Think.’ Dan (hunted): ‘Get me … er … I think we’re out of pesto. Get me a jar of that.’ Me: ‘A jar of pesto? For your birthday?’)

A woman in a black dress shows us to our table and presents us with two large grey folders.

‘It’s a new menu,’ she tells us. ‘Your waitress will be with you shortly.’

A new menu! As she leaves, I look up at Dan and I can see the unmistakable spark in his eye.

‘Oh, really?’ I say teasingly. ‘You think?’

He nods. ‘Easy.’

‘Big-head,’ I retort.

‘Challenge accepted. You have paper?’

‘Of course.’

I always have paper and pens in my bag, because we’re always playing this game. I hand him a rollerball and a page torn out of my notebook, and take the same for myself.

‘OK,’ I say. ‘Game on.’

The pair of us fall silent, devouring the menu with our eyes. There’s both bream and turbot, which makes things tricky … but even so, I know what Dan’s going to order. He’ll try to double-bluff me, but I’ll still catch him out. I know just how his mind weaves and winds.

‘Done.’ Dan scribbles a few words on the page and folds it over.

‘Done!’ I write my answer and fold my own paper over, just as our waitress arrives at the table.

‘Would you like to order drinks?’

‘Absolutely, and food too.’ I smile at her. ‘I’d like a Negroni, then the scallops and the chicken.’

‘A gin and tonic for me,’ says Dan, when she’s finished writing. ‘Then the scallops also, and the bream.’

The waitress moves away and we wait till she’s out of earshot. Then:

‘Got you!’ I push my piece of paper towards Dan. ‘Although I didn’t say G & T. I thought you’d have champagne.’

‘I got everything. Slam dunk.’ Dan hands me his paper, and I see Negroni, scallops, chicken in his neat hand.

‘Damn!’ I exclaim. ‘I thought you’d guess langoustines.’

‘With polenta? Please.’ He grins and refreshes my water.

‘I know you nearly put turbot.’ I can’t help showing off, proving how well I know him. ‘It was between that and the bream, but you wanted the saffron fennel that came with the bream.’

Dan’s grin widens. Got him.

‘By the way,’ I add, shaking my napkin out, ‘I spoke to—’

‘Oh good! What did she—’

‘It’s fine.’

‘Great.’ Dan sips his water, and I mentally tick that topic off the list.

A lot of our conversations are like this. Overlapping sentences and half-thoughts and shorthand. I didn’t need to spell out ‘I spoke to Karen, our nanny, about babysitting’. He knew. It’s not that we’re psychic exactly, but we do tend to sense exactly what each other is going to say next.

‘Oh, and we need to talk about my mum’s—’ he says, sipping his drink.

‘I know. I thought we could go straight on from—’

‘Yes. Good idea.’

Again: we don’t need to spell out that we need to talk about his mum’s birthday gathering and how we could go straight on from the girls’ ballet lesson. We both know. I pass him the bread basket knowing that he’ll take the sourdough, not because he likes it particularly, but because he knows I love focaccia. That’s the kind of man Dan is. The kind who lets you have your favourite bread.

Our drinks arrive and we clink glasses. We’re both pretty relaxed this lunchtime, because we’ve got the afternoon off. We’re renewing our health insurance, and so we both need a medical, which is slated for later on today.

‘So, ten years.’ I raise my eyebrows. ‘Ten years.’

‘Unbelievable.’

‘We made it!’

Ten years. It’s such an achievement. It feels like a mountain that we’ve scrambled to the top of. I mean, it’s a whole decade. Three house moves, one wedding, one set of twins, about twenty sets of Ikea shelves … it’s practically a lifetime.

And we’re very lucky to be here, still together. I know that. A few other couples we know who started off around the same time as us weren’t so fortunate. My friend Nadia was married and divorced within three years. Just didn’t take.

I look lovingly at Dan’s face – that face I know so well, with its high cheekbones, sprinkling of freckles and healthy glow from all the cycling he does. His sandy, springy hair. His blue eyes. His air of dynamism, even sitting here at lunch.

He’s looking at his phone now, and I glance at mine, too. We don’t have a no-phone rule on dates because who can go a whole meal without looking at their phone?

‘Oh, I got you something,’ he says suddenly. ‘I know it’s not a real anniversary, but whatever …’

He produces a gift-wrapped oblong and I already know it’s that book about tidying your house that I’ve been meaning to read.

‘Wow!’ I exclaim as I unwrap it. ‘Thanks! And I got you a little something, too …’

He’s already smiling knowingly as he feels the heft of the package. Dan collects paperweights, so whenever he has a birthday or a special thing, I get him one. (As well as a jar of pesto, obviously.) It’s safe. No, not safe, that sounds boring and we’re definitely not boring. It’s just … Well. I know he’ll like it and why waste money on taking a chance?

‘Do you love it?’

‘I love it.’ He leans over to kiss me, and whispers, ‘I love you.’

‘Love that Dan,’ I whisper back.



By 3.45 p.m. we’re sitting in a doctor’s surgery, feeling pretty marvellous about everything, in the way you only can when you’ve got the afternoon off work, your children are at a play date after school, and you’re stuffed with amazing food.

We’ve never met Dr Bamford before – the insurance company chose him – and he’s quite a character. He brings us both into the room together, for a start, which seems unconventional. He does our blood pressure, asks us a bunch of questions and looks at the results of the fitness tests we did earlier. Then, as he writes on our forms, he reads aloud in a rather theatrical voice.

‘Mrs Winter, a charming lady of thirty-two, is a non-smoker with healthy eating habits …’

Dan shoots me a comical look at ‘healthy eating habits’ and I pretend not to notice. Today’s our anniversary – it’s different. And I had to have that double chocolate mousse. I notice my reflection in a glass cupboard door and immediately sit up straighter, pulling in my stomach.

I’m blonde, with long, wavy hair. I mean really long. Waist-length. Rapunzel style. It’s been long ever since I was a child, and I can’t bear to cut it. It’s kind of my defining feature, my long blonde hair. It’s my thing. And my father adored it. So.

Our twin girls are also blonde, and I make the most of it by putting them in adorable Scandi stripy tops and pinafores. At least I did until this year, when they both decided they love football more than anything, and want to live in their lurid blue nylon Chelsea shirts. I’m not blaming Dan. Much.

‘Mr Winter, a powerful man of thirty-two …’ Dr Bamford begins on Dan’s medical form and I stifle a snort. ‘Powerful’. Dan will love that.

I mean, he works out; we both do. But you wouldn’t call him massive. He’s just … he’s right. For Dan. Just right.

‘… and there we are. Well done!’ Dr Bamford finishes writing and looks up with a toothy grin. He wears a toupee, which I noticed as soon as we walked in, but have been very careful not to look at. My job involves raising funds for Willoughby House, a very tiny, niche museum in central London. I often deal with wealthy older patrons, and I come across a lot of toupees: some good, some bad.

No, I take it back. They’re all bad.

‘What a delightful, healthy couple.’ Dr Bamford sounds approving, as though he’s giving us a good school report. ‘How long have you been married?’

‘Seven years,’ I tell him. ‘And we dated for three before that. Actually, it’s ten years exactly since we met!’ I clutch Dan’s hand with a sudden swell of love. ‘Ten years today!’

‘Ten years together,’ affirms Dan.

‘Congratulations! And that’s quite a family tree the pair of you have.’ Dr Bamford is looking at our paperwork. ‘All grandparents still alive, or else died at a very good age.’

‘That’s right.’ Dan nods. ‘Mine are all still alive and kicking and Sylvie’s still got one pair going strong, in the south of France.’

‘They’re pickled in Pernod,’ I say, smiling at Dan.

‘But only three remaining parents?’

‘My father died in a car crash,’ I explain.

‘Ah.’ Dr Bamford’s eyes dim in sympathy. ‘But otherwise he was healthy?’

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