I was masturbating at a summer camp when I was 15 and got caught by a friend (female). True (embarrassing) story.
When I was 16, my parents decided to send me away to a girl scout camp when my mother's friend suggested that GS would be something I liked. (It was, but not for the reasons my mom's friend thought.) I had done "Brownies" when I was little but didn't want to continue. After all, being seven or so, attraction to other girls is not something you consider. Anyway, thanks, Darlene! (my mom's friend who will almost certainly never read this).
Just prior to going off to camp, I had realized I was kind of attracted to other girls and would sometimes fantasize about girls I knew or girls I saw on TV or in a movie. You know, the usual stuff for those of us who are just figuring ourselves out, not to mention having recently discovered we could give ourselves some of the BEST feelings. I had gone to exactly two girl scout meetings after Darlene talked to my mom, and while it was kinda fun, it wasn't something I thought I wanted to do more of. However, the idea of going to a week long camp sounded great! I actually wondered if maybe I could sorta mess around with another girl while there. Who knows? I could get lucky and find a like-minded, discreet girl, right? Of course, I also figured even if I did, I'd probably get cold feet and wuss out.
Anyway, things went along as usual the first two days, but there was this one girl there that I was absolutely crushing on who was one of the three other girls sharing the small cabin-like thing where we slept. (Hey, I was 15. Crushes happen in, like, minutes.) I call it a cabin-like thing because it was too small to be called a cabin. My new crush's name was Katrina and she was a lot of fun and had a great sense of humor. She liked to make fun of some of the activities, which was just like the way I felt sometimes about them.
So one afternoon there was this activity that I really didn't feel like doing. I honestly forget exactly what it was, but it was this team building thing. I told my camp counselor I wasn't feeling well and needed to lie down for a bit. I implied I had gotten my period, and she said it would be fine, so I returned to our "cabin" and lay down. I had absolutely no intention of sleeping. Honestly, I was in need of a quick bean flicking. Yeah, I needed to come!
I lay back and pushed my shorts and panties down to my knees so I could get to my puss without getting totally naked, which would not have been a good idea at all, and covered myself with the sheet for whatever amount of privacy I thought that would afford. I put my hand under my top and inside my little bra (yeah, not much there but a couple of tangerine-size bumps, really) and tweaked my nipples VERY gently since they could be really sore back then. Then I reached down and began lightly rubbing my puss.
I had recently started growing some pubic hair there (not much, but hey, it was at least something), and I enjoyed running my fingers through it, sort of combing it out with my fingers as if I had a lot of hair down there. It made me feel all grown up to finally have some pubic hair, even though, as I said, it wasn't very much at all. (Funny, but I keep myself shaved now. Oh, well, live and learn.)
Anyway, I start getting really into the pleasure my hand was bringing my puss. It was starting to feel REALLY good, and my mind had wandered to how I had seen Katrina getting into her swimsuit the morning of the previous day. Yep, she had some pubic hair, too! The image of a naked Katrina was doing it for me, and I began to imagine her changing into her swimsuit and telling me I could comb through her pubic hair some, so I was imagining doing that as my fingers played in my own hair down there. Yeah, I was imagining it was her hair, not mine.
I was really getting into it and was getting really hot (as in it was summertime and it was hot outside). I decided to chance at least pushing the sheet that was covering my nearly naked body down so I would not get so sweaty. After all, getting myself off in a place I could conceivably be caught was causing enough sweat as it was.
So, I'm lying half-naked on top of my bunk, my legs spread, my hand on my puss, and rubbing myself as if the world had disappeared. Just as I'm cresting over the hill (yeah, just as I start coming), I hear this gasp from nearby. My eyes had been closed and my mind totally focused on the feelings I was giving myself, and I had not heard someone come into this tiny cabin, which was, like, eight feet by eight feet to hold exactly two sets of bunk beds with maybe two feet between them and a small storage closet on one end. The idea that whoever had just walked in wouldn't see me lying naked on my lower bunk with my hand doing a hundred miles an hour on my puss was insane. Of course, whoever it was had seen me and had seen exactly what I was doing.
Startled by the sound of the gasp and the realization that I was no longer alone in the tiny cabin, I felt my eyes shoot open and my head turn suddenly toward the door.
There she stood. Katrina. And she'd caught me masturbating to images of her. Of course, she had no idea what had been going through my mind, but I certainly did, and it increased my already unbelievable amount of embarrassment at being caught with my hand literally in my cookie jar.
I shot up like a rabbit on amphetamines and hurriedly pulled my shorts and panties up. At this point, Katrina started to giggle.
"Don't worry, Suzy. Your secrets safe with me. Hey, rubbing one out is one of life's greatest reasons for living." (That is literally exactly what she said, word for word. It is BURNED into my memory.)
"You serious? You won't tell?"
"Of course not. Who am I to talk? I might even do it myself because it was kinda hot catching you like that."
I started to leave, but she told me I could stick around, that it would make it hotter if I did and she'd have a better come. Who was I to argue? I lay on my bunk and watched as she pulled the sheet of the bunk next to mine over her and began to rub one out herself. She didn't pull the sheets down, but I could plainly see her hand moving beneath it. When she came, which didn't take very long, I was mesmerized. I had actually watched a hot girl bring herself to an orgasm. It wasn't the last time, but it was definitely the first.
How cool was that?
Years later, I ran into another girl I had met at that camp. She and Katrina were still in touch. When I asked how she was, this girl said, "Oh, fine. She's married to another girl, believe it or not."
I wanted to kick myself over the missed opportunity.

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