I don’t know. What’s he talking about, anyway? Some kind of savings plan? Please don’t ask me, I want to say. Please ask someone who knows what they’re talking about. But there’s no way they’ll believe that I’m not a financial genius — so I’ll just have to do the best I can.

I run my eye over the piece of paper in what I hope looks like a knowledgeable fashion and nod several times. It’s a letter making some kind of special offer if investors switch to this new fund. Sounds reasonable enough.

“The company wrote to us, saying we might want a higher return in our retirement years,” says Martin. “There’s a guaranteed sum, too.”

“And they’ll send us a carriage clock,” chimes in Janice. “Swiss-made.”

“Mmm,” I say, studying the letterhead intently. “Well, I should think that’s quite a good idea.”

Flagstaff Life, I’m thinking. I’m sure I’ve heard something about them recently. Which ones are Flagstaff Life? Oh yes! They’re the ones who threw a champagne party at Soho Soho. That’s right. And Elly got incredibly pissed and told David Salisbury from The Times that she loved him. It was a bloody good party, come to think of it. One of the best.

Hmm. But wasn’t there something else? Something I’ve heard recently? I wrinkle my nose, trying to remember. . but it’s gone. I’ve probably got it wrong, anyway.

“D’you rate them as a company?” says Martin.

“Oh yes,” I say, looking up. “They’re very well regarded among the profession.”

“Well then,” says Martin, looking pleased. “If Becky thinks it’s a good idea. .”

“Yes, but, I really wouldn’t just listen to me!” I say quickly. “I mean, a financial adviser or someone would know far more. .”

“Listen to her!” says Martin with a little chuckle. “The financial expert herself.”

“You know, Tom sometimes buys your magazine,” puts in Janice. “Not that he’s got much money now, what with the mortgage and everything. . But he says your articles are very good! Tom says—”

“How nice!” I cut in. “Well, look, I really must go. Lovely to see you. And love to Tom!”

And I turn into the house so quickly, I bump my knee on the door frame. Then I feel a bit bad, and wish I’d said good-bye nicely. But honestly! If I hear one more word about bloody Tom and his bloody kitchen, I’ll go mad.



By the time I sit down in front of the National Lottery, however, I’ve forgotten all about them. We’ve had a nice supper — chicken Provençale from Marks and Spencer, and a nice bottle of Pinot Grigio, which I brought. I know the chicken Provençale comes from Marks and Spencer because I’ve bought it myself, quite a few times. I recognized the sun-dried tomatoes and the olives, and everything. Mum, of course, still acted like she’d made it from scratch, from her own recipe.

I don’t know why she bothers. It isn’t like anyone would care — especially when it’s just me and Dad. And I mean, it’s pretty obvious that there are never any raw ingredients in our kitchen. There are lots of empty cardboard boxes and lots of fully prepared meals — and nothing in between. But still Mum never ever admits she’s bought a ready-made meal, not even when it’s a pie in a foil container. My dad will eat one of those pies, full of plastic mushrooms and gloopy sauce, and then say, with a perfectly straight face, “Delicious, my love.” And my mum will smile back, looking all pleased with herself.

But tonight it’s not foil pie, it’s chicken Provençale. (To be fair, I suppose it almost does look homemade — except no one would ever cut a red pepper up that small for themselves, would they? People have more important things to do.) So anyway, we’ve eaten it and we’ve drunk a fair amount of the Pinot Grigio, and there’s an apple crumble in the oven — and I’ve suggested, casually, that we all go and watch telly. Because I know from looking at the clock that the National Lottery program has already started. In a matter of minutes, it’s all going to happen. I cannot wait.

Luckily, my parents aren’t the sort who want to make conversation about politics or talk about books. We’ve already caught up with all the family news, and I’ve told them how my work’s going, and they’ve told me about their holiday in Corsica — so by now, we’re grinding to a bit of a halt. We need the telly on, if only as a conversational sounding board.

So we all troop into the sitting room, and my dad lights the gas flame-effect fire and turns on the telly. And there it is! The National Lottery, in glorious Technicolor. The lights are shining, and Dale Winton is joshing with Tiffany from EastEnders, and every so often the audience gives an excited whoop. My stomach’s getting tighter and tighter, and my heart’s going thump-thump-thump. Because in a few minutes those balls are going to fall. In a few minutes I’m going to be a millionaire. I just know I am.

I lean calmly back on the sofa and think what I’ll do when I win. At the very instant that I win, I mean. Do I scream? Do I keep quiet? Maybe I shouldn’t tell anyone for twenty-four hours. Maybe I shouldn’t tell anyone at all.

This new thought transfixes me. I could be a secret winner! I could have all the money and none of the pressure. If people asked me how I could afford so many designer clothes I’d just tell them I was doing lots of freelance work. Yes! And I could transform all my friends’ lives anonymously, like a good angel.

I’m just working out how big a house I could manage to buy without everyone twigging, when a voice on the screen alerts me.

“Question to number three.”

What?

“My favorite animal is the flamingo because it’s pink, fluffy, and has long legs.” The girl sitting on the stool excitedly unwinds a pair of long glossy legs, and the audience goes wild. I stare at her dazedly. What’s going on? Why are we watching Blind Date?

“Now, this show used to be fun,” says Mum. “But it’s gone downhill.”

“You call this rubbish fun?” retorts my dad incredulously.

“Listen, Dad, actually, could we turn back to—”

“I didn’t say it was fun now. I said—”

“Dad!” I say, trying not to sound too panicky. “Could we just go back to BBC1 for a moment?”

Blind Date disappears and I sigh with relief. The next moment, an earnest man in a suit fills the screen.

“What the police failed to appreciate,” he says in a nasal voice, “is that the witnesses were not sufficiently—”

“Dad!”

“Where’s the television guide?” he says impatiently. “There’s got to be something better than this.”

“There’s the lottery!” I almost scream. “I want to watch the lottery!”

I know strictly speaking that whether I watch it or not won’t affect my chances of winning — but I don’t want to miss the great moment, do I? You might think I’m a bit mad, but I feel that if I watch it, I can kind of communicate with the balls through the screen. I’ll stare hard at them as they get tossed around and silently urge on my winning numbers. It’s a bit like supporting a team. Team 1 6 9 16 23 44.

Except the numbers never come out in order, do they?

Team 44 1 23 6 9 16. Possibly. Or Team 23 6 1. .

Suddenly there’s a round of applause and Martine McCutcheon’s finished her song. Oh my God. It’s about to happen. My life is about to change.

“The lottery’s become terribly commercialized, hasn’t it?” says my mum, as Dale Winton leads Martine over to the red button. “It’s a shame, really.”

“What do you mean, it’s become commercialized?” retorts my dad.

“People used to play the lottery because they wanted to support the charities.”

“No they didn’t! Don’t be ridiculous! No one gives a fig about the charities. This is all about self, self, self.” Dad gestures toward Dale Winton with the remote control and the screen goes dead.

“Dad!” I wail.

“So you think no one cares about the charities?” says my mum into the silence.

“That’s not what I said.”

“Dad! Put it back on!” I screech. “Put-it-back-on!” I’m about to wrestle him for the remote control when he flicks it back on again.

I stare at the screen in utter disbelief. The first ball has already dropped. And it’s 44. My number 44.

“. . last appeared three weeks ago. And here comes the second ball. . And it’s number 1.”

I can’t move. It’s taking place, before my very eyes. I’m actually winning the lottery. I’m winning the bloody lottery!

Now that it’s happening, I feel surprisingly calm about it. It’s as if I’ve known, all my life, that this would happen. Sitting here silently on the sofa, I feel as though I’m in a fly-on-the-wall documentary about myself. “Becky Bloomwood always secretly knew she would win the lottery one day. But on the day it happened, even she couldn’t have predicted. .”

“And another low one. Number 3.”

What? My mind snaps to and I stare perplexedly at the screen. That can’t be right. They mean 23.

“And number 2, last week’s bonus ball.”

I feel cold all over. What the hell is going on? What are these numbers?

“And another low one! Number 4. A popular number — it’s had twelve appearances so far this year. And finally. . number 5! Well, I never! This is a bit of a first! Now, lining them up in order. .”

No. This can’t be serious. This has to be a mistake. The winning lottery numbers cannot possibly be 1, 2, 3, 4, 5, 44. That’s not a lottery combination, it’s a. . it’s an act of torture.

And I was winning. I was winning.

“Look at that!” my mum’s saying. “Absolutely incredible! One — two — three — four — five — forty-four.”

“And why should that be incredible?” replies Dad. “It’s as likely as any other combination.”

“It can’t be!”

“Jane, do you know anything about the laws of probability?”

Quietly I get up and leave the room, as the National Lottery theme tune blares out of the telly. I walk into the kitchen, sit down at the table, and bury my head in my hands. I feel slightly shaky, to tell you the truth. How could I lose? I was living in a big house and going on holiday to Barbados with all my friends, and walking into Agnès b and buying anything I wanted. It felt so real.

And now, instead, I’m sitting in my parents’ kitchen, and I can’t afford to go on holiday and I’ve just spent eighty quid on a wooden bowl I don’t even like.

Miserably, I turn on the kettle, pick up a copy of Woman’s Journal lying on the counter, and flick through it — but even that doesn’t cheer me up. Everything seems to remind me of money. Maybe my dad’s right, I find myself thinking dolefully. Maybe Cut Back is the answer. Suppose. . suppose I cut back enough to save sixty quid a week. I’d have £6,000 in a hundred weeks.

And suddenly my brain is alert. Six thousand quid. That’s not bad, is it? And if you think about it, it can’t be that hard to save sixty quid a week. It’s only the same as a couple of meals out. I mean, you’d hardly notice it.

God, yes. That’s what I’ll do. Sixty quid a week, every week. Maybe I’ll even pay it into a special account. That new Lloyds high-yield sixty-day access account with the tiered interest rates. It’ll be fantastic! I’ll be completely on top of my finances — and when I’ve paid off my bills I’ll just keep saving. It’ll become a habit to be frugal. And at the end of every year I’ll splash out on one classic investment like an Armani suit. Or maybe Christian Dior. Something really classy, anyway.

I’ll start on Monday, I think excitedly, spooning chocolate Ovaltine into a cup. What I’ll do is, I just won’t spend anything. All my spare money will mount up, and I’ll be rich. This is going to be so great.


OCTAGON — flair style • vision

Financial Services Department

8th Floor, Tower House

London Road, Winchester SO44 3DR



Ms. Rebecca Bloomwood Charge Card Number 7854 4567Flat 24 Burney Rd.London SW6 8FD


2 March 2000


Dear Ms. Bloomwood: Our records suggest that we have not received payment for your latest Octagon Silver Card bill. If you have paid within the last few days, please ignore this letter.Your outstanding bill is currently £235.76. The minimum payment is £43.00. You may pay by cash, check, or on the enclosed bank giro credit slip. We look forward to receiving your payment.Yours sincerely,John HunterCustomer Accounts Manager


OCTAGON — flair style • vision

Financial Services Department

8th Floor, Tower House

London Road, Winchester SO44 3DR

Ms. Rebecca Bloomwood Charge Card Number 7854 4567Flat 24 Burney Rd.London SW6 8FD