I was about 10 or 11 when I started to develop. I remember because I was at a birthday party of a friend, when one of the boys felt me up. I was the only girl there that had even the beginning of breasts. We snuck off into another portion of the house and he asked if he good see me naked. I said okay, but only if I could see him. While I had breasts and some pubic hair, he was skinny and his penis was tiny. It was erect, but it had only like 5 hairs around it. Anyway, that's another story.
About two weeks after that a friend of my moms took me shopping. When we got back to my house my mom was out and but she had left a note. It basically said Shelley (my mom's friend) was going to tell me about the birds and the bees. She gave me the whole lecture about breasts, pubic hair, menstruation and masturbation. She took off her clothes to show me what an adult woman looked like, she showed me how to insert a tampon and she showed me how to masturbate.
It was a bit weird being naked with her, but heck I learned!