Clever Girl by Tessa Hadley
Stella was a clever girl, everyone thought so. Living with her mother and rather unsatisfactory stepfather in suburban respectability she reads voraciously, smokes until her voice is hoarse and dreams of a less ordinary life. When she meets Val, he seems to her to embody everything she longs for - glamour, ideas, excitement and the thrill of the unknown. But these things come at a price and one that Stella despite all her cleverness doesn't realise until it is too late.