Chloe finished writing her report and signed off her computer. It was quiet in the office now as everyone else had gone home. She stood and stretched her stiff joints. She was looking forward to her swim tonight.

She looked at the clock and cursed. She was running late, it would mean that she would be pushed getting a changing cubicle at the leisure center. She decided to turn up in her costume under her clothes so she could quickly get changed in a toilet cubicle instead

She dashed into the stationary cupboard and got changed. She wore a navy one piece swimsuit under her blouse and dark knee length skirt. She returned to her desk to put on her black pumps and chuckled when she had realised that she had put her nude tights back on in her haste.

Chloe turned off the lights and locked the door. She headed off for the 20 minute walk to the leisure centre. The walk took her across some fields along a quiet bridleway. The sky was still dark with heavy clouds. It had rained all day. Her shoes were already dirty with splashes from puddles, small dark water marks covered her tights to her knees.

After a few minutes, Chloe's rapid journey stopped. The path had flooded.

Chloe looked at the water. It didn't look too deep she thought.

She took a tentative step into the water. It wasn't too deep. A few steps later, and she was half way across. Her pumps held. Good she thought, but it wasn't to last.

Her next step wasn't solid. Her right foot sank in the mud, past her ankle before momentum brought her other foot forward and she stumbled. Her left foot to her knee.

Oh fuck she cursed.

She stood still and thought for a moment.

She needed her blouse and skirt for the morning. While trying to keep her balance, she took off her backpack and hooked it on a nearby tree branch. She carefully removed her blouse, then unzipped her skirt and took it off over her head, then placed both items in her bag.

She took a minute to assess her situation.

She must have looked silly in her one piece costume and tights, stuck in the mud. No one was around though which was a relief.

She grabbed a branch from another tree to pull herself out of the mud. She freed her left foot, shoe still attached, but ruined. She removed it and tossed it next to her bag. Next she freed her other foot and did the same with the other shoe. She stood on two feet, holding onto the branch, feeling the mud oozing between her toes as she gently sank.

This isn't so bad she thought. Suddenly the branch broke, and she fell hard on her arse and started sinking. Her bum and legs were now covered in the cool mud.

Chloe felt a tingle in her stomach. This feels nice... and naughty. A grin appeared on her face, replacing the look of frustration.

She rubbed the mud over her legs enjoying the sensation of the slick wetness. She moved her hands up her thighs to crotch, pilling up the mud there. She pushed her hands to her pussy feeling the wet mud push up against her and the sensation sent a shudder through her body.

Next she grabbed a handful of mud, and stuffed it into her costume. The cold, wet mud made her nipples hard on contact. She massaged the mud over her tits and added more mud to the inside of the costume. This drove her body wild. She couldn't take it any more, and touched her pussy through her costume.

She masterbated until her body shuddered with an orgasm which made her cry out in pleasure. She lay for a few minutes basking in the warmth of the orgasm, until the shudders stopped.

She spied a stream, pulled herself out of the mud and went down to was her self off. Her tights were ruined. She ripped them off, and removed her costume and washed the mud from her body. Sitting in the stream, in the nude, she treat herself to another orgasm, before going back to her bag to dry off.

She put her clothes back on, commando. The muddy pumps were put back on too, mud oozing out of them until her feet were in all the way. She walked back to the office where her car was and drove home for a shower.