Kathleen McGurl - The Forgotten Secret

‘Hope you don’t mind that he told me,’ Jon said, sounding a little unsure.

‘Of course not. I know you two are close and tell each other everything.’

‘Ahem, not quite everything. He doesn’t know about my dangerous liaison with the fire-eating circus acrobat who tied my legs in knots during a three-day tantric sex session …’

‘Jon!’

‘Joking! Course he knows about that!’

You never knew with Jon, when he was being serious and when not. But he never failed to lighten the mood and make me smile. My tears were gone already.

It took a few weeks more, and a lot of soul-searching, and some long chats with Matt and Jon, before I finally came to a decision. Yes, I would do it. I would leave Paul. I would arise and go now . Perhaps I should have done it years ago, but it would be easier now – less messy as I could simply move to Ireland and leave him the UK house. I just needed to wait for probate to be completed so that the inheritance was mine, and then I could go. Oh, and I needed to tell Paul, of course. How, I wasn’t sure. I decided to wait for the right moment. Whenever that would be.

Uncle Pádraig’s solicitor, Mr Greve, called me one day, while Paul was at work and I was in the middle of going through my wardrobe, throwing out clothes I knew I’d never wear again and wouldn’t want in Ireland. I was in the habit of doing this once a year anyway, so it wouldn’t rouse Paul’s suspicions.

‘Mrs Farrell? I have good news for you. Probate is almost complete. I need your bank account details to pay the money into.’

‘Money? I thought there was just the farm in Ireland.’

‘Ah no. There’s a fair amount of money in the estate as well. Not a huge fortune mind, but enough. So I need your bank name, account number and sort code. Do you have them to hand?’

I felt a wave of panic wash over me. The only bank account I had access to was a joint account. If the money was paid into that, Paul would be able to get at it. He’d notice it immediately – he got alerts on his phone whenever there was any activity on his account – and he’d quite possibly move it out and invest it somewhere else where I couldn’t touch it. He might be my husband of twenty-five years, but I couldn’t trust him with this. It was my money.

‘Er, no. Sorry, I don’t have them right here. Can I call you back later with them?’

‘Yes of course, but the sooner the better so we can get this all neatly tied up. You have my number, I think.’

‘I do, yes.’

‘Good. I’ll wait to hear.’ Mr Greve hung up. He’d sounded vaguely irritated that I wasn’t the sort of organised woman who had bank details to hand.

I grabbed a jacket and my handbag, and rushed out of the house. Paul had the car at work, but it was only a forty-minute walk into the town centre and if I hurried I could get there, see to my business and get home again in time to cook Paul’s tea. Yes, I was the type of housewife who always had her husband’s dinner on the table when he came home from work. A throwback to the 1950s. Sometimes I despised myself for it. Though not for much longer.

There were three banks with branches in our small town, and I nipped into the first one I came across – Nationwide.

‘I need to open a bank account,’ I told the clerk, slightly breathless from my fast walk to town.

‘All right, what kind of account did you want? And do you already have any accounts with us?’ she asked.

‘Just a regular account. And no, I don’t.’

‘OK. Wait there, I’ll see if someone’s available to talk you through the options.’

I was lucky. Someone was available and I was ushered to a desk behind a partition, where a smart young man with ‘Dan’ on his name badge sat opposite me with a pile of leaflets. I was blushing with embarrassment that a woman of my age – almost 50 – did not have her own bank account, and did not know the difference between a SIPP and an ISA, a current account and a savings account. I’d had my own account before Paul, of course, but I’d closed it on his advice when I stopped working when Matt came along, and had just used our joint account for the twenty-four years since then. Dan was patient and gentle with me, but I could tell he thought I was an oddity.

‘Well, Mrs Farrell, as you’re wanting to pay in an inheritance but still have instant access to the money, I would recommend our Flexclusive Saver account. Decent interest rates yet fully flexible. We can open that now for you, if you have some proof of ID and proof of address.’

I hadn’t for a moment thought I’d need anything like that. I’d been so far removed from all this sort of thing – Paul of course handled all our finances and paid all the bills. But thankfully I had my driving licence on me, and at the bottom of my handbag was a water bill with a shopping list scribbled on the back. Dan accepted those.

Twenty minutes later I left, grinning like a cat with cream, clutching a piece of paper with my bank account numbers on it. A card would arrive by post in a couple of days, Dan said. Our post arrived around midday so I’d be able to pick it up before Paul saw it.

Back home I called Mr Greve, passed on the bank details, and made myself some tea in an attempt to calm myself down a little. I’d done it. I’d taken the first step towards independence.

Next step, tell Paul.

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