I look forward to receiving your signed check.

Yours sincerely,

John Hunter

Customer Accounts Manager



ENDWICH BANK

FULHAM BRANCH 3 Fulham Road

London SW6 9JH

Ms. Rebecca Bloomwood

Flat 2

4 Burney Rd.

London SW6 8FD


5 March 2000


Dear Ms. Bloomwood:

Thank you for your answer-machine message of Sunday 4 March.

I am sorry to hear that your dog has died.

Nevertheless, I must insist that you make contact with myself or my assistant, Erica Parnell, within the next few days, in order to discuss your situation.

Yours sincerely,

Derek Smeath

Manager

ENDWICH — BECAUSE WE CARE

Six


OK, I THINK FIRMLY the next day. The thing is not to get freaked out by how much I happened to spend yesterday. It’s water under the bridge. The point is, today is the beginning of my new frugal life. From now on, I’m just going to spend absolutely nothing. David E. Barton says you should aim to cut your expenditure by half in the first week, but I reckon I can do much better than that. I mean, not wanting to be rude, but these self-help books are always for people with absolutely zero self-control, aren’t they? And I gave up smoking easily enough. (Except socially, but that doesn’t count.)

I feel quite exhilarated as I make myself a cheese sandwich and wrap it up in tinfoil. I’ve already saved a couple of quid, just by doing that! I haven’t got a flask (must buy one at the weekend), so I can’t take in coffee, but there’s a bottle of Peach Herbal Blast in the fridge so I decide I’ll take that instead. It’ll be healthier, too.

In fact, it makes you wonder why people buy shop-made sandwiches at all. Look how cheap and easy it is to make your own. And it’s the same with curries. David E. Barton says instead of forking out for expensive takeaway meals you should learn how to make your own curries and stir-fries, for a fraction of the cost. So that’s what I’m going to do this weekend, after I’ve been to a museum or maybe just walked along the river, enjoying the scenery.

As I walk along to the tube I feel pure and refreshed. Stern, almost. Look at all these people on the street, scurrying around, thinking about nothing but money. Money, money, money. It’s an obsession. But once you relinquish money altogether, it ceases to have any relevance. Already I feel I’m in a completely different mindset. Less materialistic, more philosophical. More spiritual. As David E. Barton says, we all fail to appreciate each day just how much we already possess. Light, air, freedom, the companionship of friends. . I mean, these are the things that matter, aren’t they?

It’s almost frightening, the transformation that’s already occurred within me. For example, I walk past the magazine kiosk at the tube station and idly glance over, but I don’t feel the slightest desire to buy any of the magazines. Magazines are irrelevant in my new life. (Plus I’ve already read most of them.)

So I get on the tube feeling serene and impervious, like a Buddhist monk. When I get off the tube at the other end, I walk straight past the discount shoe shop without even looking, and straight past Lucio’s, too. No cappuccino today. No muffin. No spending at all — just straight to the office.

It’s quite an easy time of the month for Successful Saving. We’ve only just put the latest issue of the magazine to bed, which basically means we can laze around for a few days doing nothing, before getting our acts together for the next issue. Of course, we’re meant to be starting on research for next month’s article. In fact, I’m supposed to be making phone calls to a list of stockbrokers today, asking for their investment tips for the next six months. But I already know what they’re all going to say. Jon Burrins will go on about the problems with e-commerce stocks, George Steadman will enthuse about some tiny biotechnology company, and Steve Fox will tell me how he wants to get out of the stockbroking game and start an organic farm.

Somehow the whole morning goes by and I haven’t done anything, just changed the screen saver on my computer to three yellow fish and an octopus, and written out an expense claim form. To be honest, I can’t really concentrate on proper work. I suppose I’m too exhilarated by my new pure self. I keep trying to work out how much I’ll have saved by the end of the month and what I’ll be able to afford in Jigsaw.

At lunchtime I take out my sandwich wrapped in foil — and for the first time that day, I feel a bit depressed. The bread’s gone all soggy, and some pickle’s leaked out onto the foil, and it really doesn’t look very appetizing at all. What I crave at that moment is Pret à Manger walnut bread and a chocolate brownie.

Don’t think about it, I instruct myself firmly. Think how much money you’re saving. So somehow I force myself to eat my soggy effort, and swig down some Peach Herbal Blast. When I’ve finished, I throw away my foil, screw the top back on the Peach Herbal Blast bottle, and put it in our tiny office fridge. And that’s about. . five minutes of my lunch break gone.

So what am I supposed to do next? Where am I supposed to go?

I slump miserably at my desk. God, this frugality is hard going. I leaf dispiritedly through a few folders. . then raise my head and stare out of the window, at all the busy Oxford Street shoppers clutching carrier bags. I want to get out there so desperately, I’m actually leaning forward in my chair, like a plant toward the light. I’m craving the bright lights and warm air, the racks of merchandise, even the bleep of the cash registers. But I can’t go. This morning I told myself that I wouldn’t go near the shops all day. I promised myself — and I can’t break my own promise.

Then a brilliant thought occurs to me. I need to get a curry recipe for my homemade takeaway, don’t I? David E. Barton says recipe books are a waste of money. He says you should use the recipes printed on the sides of food packets, or take books out of the library. But I’ve got an even better idea. I’ll go into Smith’s and copy out a curry recipe to make on Saturday night. That way, I can go into a shop, but I don’t need to spend any money. Already I’m scrambling to my feet, reaching for my coat. Shops, here I come!



As I walk into Smith’s I feel my whole body expand in relief. There’s a thrill about walking into a shop — any shop — which you can’t beat. It’s partly the anticipation, partly the buzzy, welcoming atmosphere, partly just the lovely newness of everything. Shiny new magazines, shiny new pencils, shiny new protractors. Not that I’ve needed a protractor since I was eleven — but don’t they look nice, all clean and unscratched in their packets? There’s a new range of leopard-print stationery that I haven’t seen before, and for a moment I’m almost tempted to linger. But instead I force myself to stride on past, down to the back of the shop where the books are stacked.

There’s a whole array of Indian recipe books, and I pick up one at random, flicking over the pages and wondering what sort of recipe I should go for. I hadn’t realized quite how complicated this Indian cookery is. Perhaps I should write down a couple, to be on the safe side.

I look around cautiously and take out my notebook and pen. I’m a bit wary, because I know Smith’s doesn’t like you copying down stuff out of their books. The reason I know this is because Suze once got asked to leave the Smith’s in Victoria. She was copying out a page of the street atlas, because she’d forgotten hers — and they told her she had to either buy it or leave. (Which doesn’t make any sense, because they let you read the magazines for free, don’t they?)

So anyway, when I’m sure no one’s looking, I start copying out the recipe for “Tiger Prawn Biriani.” I’m halfway through the list of spices when a girl in WHSmith uniform comes round the corner, so I quickly close the book and walk off a little, pretending I’m browsing. When I think I’m safe, I open it again — but before I can write anything down, an old woman in a blue coat says loudly, “Is that any good, dear?”

“What?” I say.

“The book!” She gestures to the recipe book with her umbrella. “I need a present for my daughter-in-law, and she comes from India. So I thought I’d get a nice Indian recipe book. Is that a good one, would you say?”

“I’m afraid I don’t know,” I say. “I haven’t read it yet.”

“Oh,” she says, and starts to wander off. And I ought to keep my mouth shut and mind my own business — but I just can’t leave it there, I have to clear my throat and say, “Excuse me — but doesn’t she have lots of Indian recipes already?”

“Who, dear?” says the woman, turning round.

“Your daughter-in-law!” Already I’m regretting this. “If she’s Indian, doesn’t she already know how to cook Indian food?”

“Oh,” says the old woman. She seems completely flummoxed. “Well, what should I get, then?”

Oh God.

“I don’t know,” I say. “Maybe a book on. . on something else?”

“That’s a good idea!” she says brightly, and comes toward me. “You show me, dear.”

“Well,” I say, looking helplessly around the racks of books. “What’s she interested in? Does she. . have any particular hobby?”

“She likes the fresh air,” says the woman thoughtfully. “Walking in the countryside.”

“Perfect!” I say in relief. “Why not try the travel section for a walking book?”

I point the woman in the right direction, then hurry off to do my copying. I reach the CD and video section, which is always quite empty, and hide behind a rack of Teletubbies videos. I glance around and check no one’s about, then open the book again. Okay, turn to page 214, “Tiger Prawn Biriani”. . I start copying again, and I’ve just got to the end of the list of spices, when a stern voice says in my ear, “Excuse me?”