I lie naked on the bed and keep my legs tight together so my hand is crunched in between my legs. I don't use lubricant, I'm usually pretty wet, especially if I'm horny enough to masturbate. I rub directly on my clitoris, but very lightly and keep the same rhythm throughout. I don't put my fingers inside my pussy, but use my other hand to alternate stroking up and down my slit and squeezing my nipples really hard. Occasionally, I'll put a pillow between my legs and grind against that to come.
I don't usually fantasise, but concentrate really hard on getting off and the sensations I'm giving myself. I've not yet found a man who has been able to masturbate me better than I can do it myself, quite often they're too heavy handed.