I dropped Doug off at work and he asked me to wait for a minute or two while he checked on something. He was gone several minutes before he came back to the car. He got in and told me that he had asked for a $500 advance on his check, and had just got it. He hadn't mentioned it to Debbi at all, because he didn't want to get her hopes up in case it didn't go through. He had me take him to get the check cashed, and then back to work. He gave me the $500 cash and asked me to take it back to the apartment and give it to Debbi. I knew that he wouldn't call her, because their phone had been cut off long ago, and he had to leave for the job site immediately anyway and wouldn't be back until seven that evening, when I was supposed to pick him up.

On the drive back to the apartment, I realized three things. First, I had left my jacket at their apartment that morning when I picked up Doug. Second, I was already late for work myself, and my habit at the time dictated that if I was late, I didn't go. Third, I knew there had to be a way to take advantage of this situation, but I didn't know what it was. I thought about it the entire drive back to the apartment. By the time I got there, I didn't have a good idea.

I had the money in my pocket out of sight when I went to the door. I knocked, and it was a while before I heard an answer. When I told Debbi who I was, she opened the door and let me in. She hadn't changed clothes from when I had seen her earlier that morning. She was wearing a long t-shirt, and I suspected nothing else was under it, although there might have been some panties. I told her I had come back for my jacket, which she got for me immediately. I started to tell her about the money, but before I could, she asked if I would like to have a cup of coffee. I agreed, and followed her into the kitchen, sitting across the table from her.

When she got the coffee, I took a couple of sips, even though I never drank coffee. She came to the point quickly. She told me that they were in deep financial trouble, and that they were about to get evicted, both of which I knew. She said that she knew that I made a good money, and asked if I would be willing and able to help them financially by giving them a loan. That was my opening.

I told her that I would consider it, but there would have to be a few stipulations. I told her I could let her have $500 in cash, but it had to be on my terms. She was interested, but curious. I told her that I would require a signed receipt from her for the money for my personal records. She said she had no problem with that at all. Then came the catch. I told her that in exchange for the money, she would have to spend the remainder of the day, starting now and going until I had to leave to pick up Doug, catering to my every whim, no matter what it was. She knew full well what that meant. She said, "I can't do that." "Okay, then, I have to go...", I told her as I got up and started towards the door. "Wait...", she said, "maybe we can discuss this further...." "There's nothing to discuss" I said. "That is the deal. Take it or leave it." She was silent, and I took a couple of more steps toward the door. "Wait," she said, "Okay. I'll do it, but I have some terms as well. The only way I'll do it is if this is not a loan, but a gift that doesn't have to be repaid, and that Doug never knows." "That's agreeable," I said, "but I still want a receipt."

I walked back to the table and told her that at 6:30 that evening, just before I had to leave to go get Doug, she would sign the receipt for me and I would give her the money, but not until. I didn't want her backing out after I gave her the money. She said "Okay, but first you have to prove to me that you have the money. I'm not going to go through with this and find out later that you were bluffing." "No problem.", I said, and pulled the money out of my pocket to show her. "Okay," she said,looking at the money, "What's first?"

I had already decided that this would be an interesting day. She had no idea what all I had in mind, but she soon would. "First," I said, "go change into your white bikini and meet me at the pool." I went out to the car and got my trunks, then went to the changing room at the pool and changed into them. When I came out, she was there waiting by the pool. "Let's go for a swim." I said. She followed me into the water. We went out to about mid-chest deep in the water, and I went over to her. Using the water as a shield, I put my hand between her legs and massaged her pussy through her bikini bottom, eventually moving it slightly aside so I could get a finger inside her.......(cont)