"I Owe You One" is a contemporary romance novel penned by Sophie Kinsella that revolves around the life of Fixie Farr, a young woman who feels the weight of familial expectations and responsibilities. Fixie has always been the one to fix everyone else's problems, from family members to friends, often at the expense of her own desires and ambitions. Despite her selflessness, she struggles to assert her own identity and pursue her dreams.
The narrative takes a turn when Fixie helps a handsome stranger, Seb, in a moment of crisis. To express his gratitude, Seb gives her a "IOU" note, which introduces an intriguing twist to the story. Fixie begins to navigate her own desires, finding the courage to pursue opportunities while managing her family's business, all while the IOU looms as a reminder of the promises that come with relationships and personal growth.