As stated in the first 3 parts.

The young lady in this story asked I could help her write her account of what happened.

After my day at the beach with Anne and James, over the next couple of days I settled back into my normal routine of sorting the house out.

On the first couple of days, which was a little overcast I spent finishing the painting and other jobs around the house.

Normal dress code had become my sandals and nothing else which I started calling my house coat.

A fact that Anne found hilarious when I told her in our nightly phone calls.

The third day, which was sunny, I spent sorting the garden. Which meant I ended up spending the whole day in the sun, again, in my house coat.

That evening while drying myself after a shower I noticed in the mirror that my skin was, still blemish free but was now sporting a nice all over tan.

That evening, while sat watching the telly the phone rang. “Hello you. said Anne.

“Hello you. Looking forward to the bar b que at James's tomorrow?” 

“Yeah, but I'm not going to be able to stay for more than a couple or three hours. Gran isn't very well, and mum has asked if I can go with her to see her tomorrow afternoon.”

Having lost my gran recently I fully understood her wanting to go see her.

“Shall I ask James if we can reschedule?”

“No. I expect he's gone to a lot of trouble sorting things and I don't want to mess him around. I don't need to leave until 1 so that will give us three hours there.”

“Ok. But I will pop over and give him the heads up.”

After arranging timings for the morning, we hung up.

I then thought that I had better dress as although I live in a quiet road I didn't want to risk popping over while nude.

I grabbed my sandals and put my new sun dress on. I started to keep it handy as with my normal state of dress around the house I needed to be able to throw something on quickly if there’s a knock on the door.

On answering the door, I saw James dressed only in a pair of baggy shorts.

He told me to come in and go through to the kitchen. I could see he'd been busy sorting stuff for the morning.

I told him about Anne's gran and said she'd be OK until one.

Although a little disappointed he fully understood and said that we should make the most of the time Anne had.

As we continued to chat, much to James protests, I stared to help in the setting up.

My argument was that if we're to, as he said, “Make the most of the time with Anne” then it shouldn't be spent in the kitchen.

We chatted as we worked. And with his kitchen being on the small side we had to stand quite close, which I quite liked. On one occasion James need to get to a wall cupboard in front of me.

Before I realised, I was in the way, he stood behind me, put his hand on my shoulder saying, “Don't move.”

I then felt the warmth of his bare chest as it touched my bare shoulders above my strappy dress as he lent forward to reach the cupboard.

As he sorted through the stuff in the cupboard to get the item he wanted. I wasn't sure but think I felt his cock push against my bum through the thin material of my dress. As he moved, I became sure that it was indeed his cock and I gasped a little which I don't think he heard, I started to get the feeling of butterflies in my stomach. Something that I've not experienced before.

All to quickly he found the item and moved away, apologised and carried on with what he was doing.

I now found myself somewhat dumbfounded, short of breath and trying to process what the hell was wrong with me. I was snapped out of my daydream when James put his hand on my shoulder and asked if I was all right.

Thinking quickly, I said that I was and was looking forward to the next day.

All to quickly we’d finished, and I said that I'd better go home. James thanked me for my help and looked forward to seeing the both of us tomorrow.

On getting home I decided to have an early night as I felt a little tired after spending the day in the sun.

Expecting to drop off quickly but I was a little confused as to why couldn't.

As I lay there on my back. Suddenly the memory of James standing behind me came back.

More confusion. Why was I thinking of this? Yes, it was nice feeling the warmth of his body on my back. Oh my god! And his cock. It felt so nice touching my bum.

Then a wicked though. It was lucky that he wasn't dressed as he was at the beach otherwise it would have been dangerously close to my naked bum under my dress.

“Susanna Jane Smith, what has gotten into you?” I chastised myself for having such lewd thoughts and tried to dismiss them from my mind. Laying there I was then just daydreaming about nothing when I moved my right hand down, that until now was draped across my stomach. As I moved it across my mons, I thought I would check to see if I needed to shave as I wasn't sure on the dress code for tomorrow. I found it smooth as silk, just as I like it. However, when my fingers brushed across my clit it was like an electric shock of pleasure shooting through my body.

“Ooh, that was nice” I whispered to myself. I then put my finger on it again and the pleasure returned. I then started to rub it in a circular motion as this seemed to keep the nice feeling going.

This was all new to me as until now as it never occurred to touched myself in this manner.

Something I put down to my upbringing.

As I continued to rub the feeling began to grow giving more and more pleasure causing me to rub faster and faster.

Images of James, both at the beach and him standing behind me in the kitchen flashed through my mind. Then they started to blur together to the point where we were now nude in his kitchen with his cock resting against my ass, and instead of him looking in the cupboard, he was cupping my boobs as he kissed my neck.

All of a sudden, I cried out as an incredible tingling feeling hit me. It started in my clit, moved throughout my pussy and stomach and then seem to wash over my whole body.

After I'm not sure how long the feeling passed as did the urge the continue rubbing. I moved my hand down to my pussy and found it to be soaking wet.

Oh my god. I think I had an orgasm! A first. Now until now I always thought that the feelings I had when I had sex with my ex were nice and thought that those were orgasms but although nice, they were nowhere near the magnitude of what just hit me.

If this is what masturbation was all about, then I'll be doing this again as it was so much better than sex!

I soon drifted off and had a very good night's sleep.