This is a story that happened when I was 14 and moved from my country to the US. Anyway I had discovered masturbation about a year before that and did it a lot like any other boy of that age.
So when me and my family got here I knew I had a cousin that was 16 years old at the time but I had never met. When I saw her for the first time I immediately thought she was really hot and I didn't really feel any guilt because she was almost like a stranger (cause I hadn't seen her before).
Anyway, we started hanging out and chatting because I had so many questions. So one day my parents dropped me off at her house and they were going to out with her parents. So we were going to be all alone at her house. At first I didn't think anything would happen but this is how it all started. We were watching TV and playing video games in her room and she said that she would go to the kitchen to get us something to eat and drink. So I stayed in her room and I had notice that whenever she wore tight pants or skirts I couldn't see a panty outline. So I obviously thought she either wore no underwear or thongs. As soon as she left to the kitchen I went through her drawers to look for her underwear and I found her panty drawer it was full of thongs all colors, types, etc. I got an immediate hard on just picturing her wearing all those sexy panties. So from that point on I was really horny and couldn't stop thinking about that.
Anyway she came back with the food and nothing really happened until she said that she had to take a shower. As soon as she went in to take a shower I went for one of her panties and started jerking off while looking at it and fantasizing. But what happened next caught me by surprise... she had forgotten to get a towel so she went in and came back out but at that point I was already on her bed with my pants down and jerking off. She saw me and I was so embarrassed that all I could said was 'I'm sorry, please don't tell my parents, I'm really sorry'. I just remember I kept saying that until she walked up to me and she said it was ok. And then she said I won't tell them if you let me watch you.
At first I was surprised but I was so horny and turned on that I just started stroking again. While I was doing that she started undressing and laid on her bed and started rubbing her pussy. I was about to cum at this point cause I hadn't seen a girl naked in real life before. I could see her perky tits and her shaved pussy already wet. Then she said 'let me know when you are about to cum', so I said 'I am'. And she moved her legs around me so that my cock was facing her pussy and then she grabbed my cock with her hands and made me cum all over her belly, tits, and some on her face too. After that she told me that she needed to cum to and I asked her if I could help so she showed me how to finger her and play with her clit until she came. At this point I was hard again ... but I'll leave for another time...