I just answered questions that sounded as though I knew what I was talking about. After a year and a half– believe it or not – I was head-hunted to Successful Saving.

Of course, I still know nothing about finance. People at the bus stop know more about finance than me. Schoolchildren know more than me. I've been doing this job for three years now, and I'm still expecting someone to catch me out.

That afternoon, Philip the editor calls my name, and I jump in fright.

'Rebecca?' he says. 'A word.' And he beckons me over to his desk. His voice seems lower all of a sudden, almost conspiratorial, and he's smiling at me, as though he's about to give me a piece of good news.

Oh my God, I think. Promotion. It must be. He knows it's unfair I earn less than Clare, so he's going to promote me to her level. Or even above. And he's telling me discreetly so Clare won't get jealous.

A wide smile plasters itself over my face and I get up and walk the three yards or so to his desk, trying to stay calm but already planning what I'll buy with my pay rise. I'll get that swirly coat in Whistles. And some black high-heeled boots from Pied Terre. Maybe I'll go on holiday. And I'll pay off that blasted VISA bill once and for all. I feel buoyant with relief. I knew everything would be OK…

'Rebecca?' He's thrusting a card at me. 'I can't make this press conference,' he says. 'But it could be quite interesting. Will you go? It's at Brandon Communications.'

I can feel my elated expression falling off my face like jelly. He's not promoting me. I'm not getting a pay rise. I feel betrayed. Why did he smile at me like that? He must have known he was lifting my hopes. Callous bastard.

'Something wrong?' enquires Philip.

'No,' I mutter. But I can't bring myself to smile. In front of me, my new swirly coat and high-heeled boots are disappearing into a puddle, like the Wicked Witch of the West. No promotion. Just a press conference about… I glance at the card. About a new unit trust. How could anyone possibly describe that as interesting?

'You can write it up for the news,' says Philip.

'OK,' I say, shrugging, and walk away.

Two

There's just one essential purchase I have to make on the way to the press conference – and that's the Financial Times. The FT is by far the best accessory a girl can have. Its major advantages are:

1. It's a nice colour.

2. It only costs 85p.

3. If you walk into a room with it tucked under your arm, people take you seriously. With an FT under your arm, you can talk about the most frivolous things in the world, and instead of thinking you're an airhead, people think you're a heavyweight intellectual who has broader interests, too.

At my interview for Successful Saving, I went in holding copies of the Financial Times and the Investor's Chronicle – and I didn't get asked about finance once. As I remember it, we spent the whole time talking about holiday villas and bitching about other editors.

So I stop at a newsstand and buy a copy of the FT and tuck it neatly under my arm, admiring my reflection in the window of Denny and George.

I don't look-bad, I think. I'm wearing my black skirt from French Connection, and a plain white T-shirt from Knickerbox, and a little angora cardigan which I got from M and S but looks like it might be Agnes B. And my new square-toed shoes from Hobbs. And even better, although no-one can see them, I know that trade underneath I'm wearing my gorgeous new matching knicker sand bra with embroidered yellow rosebuds. They're the best bit of my entire outfit. In fact, I almost wish I could be run over so that the world would see them.

It's a habit of mine, itemizing all the clothes I'm wearing, as though for a fashion page. I've been doing it for years – ever since I used to read Just Seventeen. Every issue, they'd stop a girl on the street, take a picture of her, and list all her clothes. 'T-Shirt: Chelsea Girl, Jeans: Top Shop, Shoes: borrowed from friend.' I used to read those lists avidly – and to this day, if I buy something from a shop that's a bit uncool, I cut the label out. So that if I'm ever stopped in the street, I can pretend I don't know where it's from.

So anyway. There I am, gazing at myself, thinking I look pretty good, and half wishing someone from Just Seventeen would pop up with a camera – when suddenly my eyes focus and snap to attention, and my heart stops. In the window of Denny and George is a discreet sign, It's dark green with cream lettering, and it says: SALE.

I stare at it, my heart thumping hard. It can't be true. Denny and George can't be having a sale. They never have a sale. Their scarves and pashminas are so coveted, they could probably sell them at twice the price. Everyone I know in the entire world aspires to owning a Denny and George scarf. (Except my mum and dad, obviously. My mum thinks if you can't buy it at Bentalls of Kingston, you don't need it.)

I swallow, and take a couple of steps forward, then push open the door of the tiny "shop. The door pings, and the nice blond girl who works there looks up. I don't know her name-but I've always liked her. Unlike some snotty cows in clothes shops, she doesn't mind if you stand for ages staring at clothes you really can't afford to buy. Usually what happens is, I spend half an hour lusting after scarves in Denny and George, then go off to Accessorize and buy something to cheer myself up. I've got a whole drawerful of Denny and George substitutes.

'Hi,' I say, trying to stay calm. 'You're… you're having a sale.'

'Yes.' The blond girl smiles. 'Bit unusual for us.'

My gaze sweeps the room. I can see rows of scarves, neatly folded, with dark green '50 per cent off' signs above them. Printed velvet, beaded silk, embroidered cashmere, all with the discreet 'Denny and George' signature. They're everywhere. I don't know where to start. I think I'm having a panic attack.

'You always liked this one, I think,' says the nice blond girl, taking out a shimmering grey-blue scarf from the pile in front of her.

Oh God, yes. I remember this one. It's made of silky velvet, overprinted in a paler blue and dotted with iridescent beads. As I stare at it, I can feel little invisible strings, silently tugging me towards it. I have to touch it. I have to wear it. It's the most beautiful thing I've ever seen. The girl looks at the label. 'Reduced from ?340 to ?120.' She comes and drapes the scarf around my neck and I stare at my reflection.

There is no question. I have to have this scarf. I have to have it. It makes my eyes look bigger, it makes my haircut look more expensive, it makes me look like a different person. I'll be able to wear it with everything. People will refer to me as the Girl in the Denny and George scarf.

'I’d snap it up, if I were you.' The girl smiles at me. 'There's only one of these left.'

Involuntarily, I clutch at it.

'I'll have it,' I gasp. 'I'll have it.'

As she's laying it out on tissue paper, I take out my purse, open it up and reach for my VISA card in one seamless, automatic action – but my fingers hit bare leather. I stop in surprise and start to rummage through all the pockets of my purse, wondering if I stuffed my card back in somewhere with a receipt or if it's hidden underneath a business card… And then, with a sickening thud, I remember. It's on my desk.

How could I have been so stupid? How could I have left my VISA card on my desk? What was I thinking of?

The nice blond girl is putting the wrapped scarf into a dark green Denny and George box. My heart is thumping. What am I going to do?

'How would you like to pay?' she says pleasantly.

My face flames red.

'I've just realized I've left my credit card at the office,' I stutter.

'Oh,' says the girl, and her hands pause.

'Can you hold it for me?' The girl looks dubious.

'For how long?'

'Until tomorrow?' I say desperately. Oh God. She's pulling a face. Doesn't she understand?

'I'm afraid not,' she says. 'We're not supposed to reserve sale stock.'

'Just until later this afternoon, then,' I say quickly. 'What time do you close?'

'Six.'

Six! I feel a combination of relief and adrenalin sweeping through me. Challenge Rebecca. I'll go to the press conference, leave as soon as I can, then take a taxi back to the office. I'll grab my VISA card, tell Philip I left my notebook behind, come here and buy the scarf.

'Can you hold it until then?' I say beseechingly. 'Please? Please?' The girl relents.

'OK. I'll put it behind the counter.'

'Thanks,' I gasp. I hurry out of the shop and down the road towards Brandon Communications. Please let the press conference be short', I pray. Please don't let the questions go on too long. Please God, please let me have that scarf.

As I arrive at Brandon Communications, I can feel myself begin to relax. I do have three whole hours, after all. And my scarf is safely behind the counter. No one's going to steal it from me.

There's a sign up in the foyer of Brandon Communications saying that the Foreland Exotic Opportunities press conference is happening in the Artemis Suite, and a man in uniform is directing everybody down the corridor. This means it must be quite big. Not television-cameras-CNN-world's press on tenterhooks big, obviously. But fairly-good-turnout big. A relatively important event in our dull little world.

As I enter the room, there's already a buzz of people milling around, and waitresses circulating with canapes. The journalists are knocking back the champagne as if they've never seen it before; the PR girls are looking supercilious and sipping water. A waiter offers me a glass of champagne and I take two. One for now, one to put under my chair for the boring bits.

In the far corner of the room I can see Elly Granger from Investor's Weekly News. She's been pinned into a corner by two earnest men in suits and is nodding at them, with a glassy look in her eye. Elly's great. She's only been on Investor's Weekly News for six months, and already she's applied for forty-three other jobs. What she really wants to be is a beauty editor on a magazine. What I really want to be is Fiona Phillips on GMTV. Sometimes, when we're very drunk, we make pacts that if we're not somewhere more exciting in three months, we'll both leave our jobs. But then the thought of no money – even for a month – is almost more terrifying than the thought of writing about pension plans for the rest of my life.

'Rebecca. Glad' you could make it.'

I look up, and almost choke on my champagne. It's Luke Brandon, head honcho of Brandon Communications, staring straight at me as if he knows exactly what I'm thinking.

I've only met him a few times, and I always feel slightly uneasy around him. For a start, he's got such a scary reputation. Everyone talks all the time about what a genius he is, even Philip, my boss. He started Brandon Communications from nothing, and now it's the biggest financial PR company in London. A few months ago he was listed in some newspaper as one of the cleverest entrepreneurs of his generation. It said his IQ was phenomenally high and he had a photographic memory. (I've always hated people with photographic memories.)

But it's not just that. It's that he always seems to have a frown on his face when he's talking to me. As if he knows what a complete fraud I am. In fact, it occurs to me, he probably does. It'll probably turn out that the famous Luke Brandon is not only a complete genius but he can read minds, too. He knows that when I'm staring up at some boring graph, nodding intelligently, I'm really thinking about a gorgeous black top I saw in Joseph and whether I can afford the trousers as well.

'You know Alicia, don't you?' Luke is saying, and he gestures to the immaculate blond girl beside him.

I don't know Alicia, as it happens. But I don't need to. They're all the same, the girls at Brandon C, as they call it. They're well dressed, well spoken, are married to bankers and have zero sense of humour.

'Rebecca,' says Alicia coolly, grasping my hand. 'You're on Successful Saving, aren't you?'

'That's right,' I say, equally coolly.

'It's very good of you to come today,' says Alicia. 'I know you journalists are terribly busy.'

'No problem,' I say. 'We like to attend as many press conferences as we can. Keep up with industry events.'

I feel pleased with my response. I'm almost fooling myself.

Alicia nods seriously, as though everything I say is incredibly important to her.