Note: This story was dynamically reformatted for online reading convenience.
 
 I was moving to Epsom to work with a former colleague who had put a good
word in for me (we had worked together in Slough), and she happened to have
a friend who had seen a "To Let" sign nearby.  So I was keen to unpack my
gear and then relax in the garden to get some colour, after my first night
in my new bed.  The garden was shared with the neighbours but looked lovely
in the morning sun.  I had barely been on my lawn chair a minute when a
young lady's voice cut through the humid air.  "Excuse me, are you our new
neighbour?" I jumped up and said I was.  I introduced myself.  Her name was
Mara.  I asked her if her parents were around.  They were not.  Dad was
"away" and mum was "sleeping off last night's hangover" even at 11am.  We
talked, and Mara suggested she join me in the other lawn chair if I could
please help her put sun cream on.  I gulped.  I carefully did her shoulders
and upper back, nothing more.  At this point my mind was not thinking
anything remotely sexual about the situation though in hindsight this was a
huge icebreaker.  We didn't spend long outside making small talk.  Thinking
ahead, I suggested as it was almost midday we make some snacks and stay out
of the midday sun for a bit, then maybe go out in the garden in the
afternoon, or even walk to the local outdoor swimming pool.  I asked her
what she liked to drink.  She said "anything fruity" I casually asked if
she was old enough to drink alcohol.  She giggled.  "I'm only twelve!!!" I
almost dropped the glass I was holding.  Suddenly things were getting
interesting.  "So you asked me to put sunblock on you knowing I could be
done for inappropriately touching a minor?" She gasped, and insisted
politely she did not ever mean to get me into trouble.  I offered her some
fruit juice.  She asked if I had any good booze.  I reminded her she had
told me she is twelve.  She quipped that she can just blame her mum for
being sparko and leaving her booze all over the house.  I raised an eye
brow at her and prepared some crushed ice, high alcohol content cider, lots
of tropical fruit juice, and a dash of vodka, all in a large jug.  Mara
tasted some.  She loved it.

   She saw I was still unpacking and asked if I was going to decorate first
as she loves the smell of fresh paint.  I told her I had painted the
bedroom already.  She asked to see it.  I gestured to the end of the hall.
It's a small ground floor maisonette so there is pretty much only a
kitchenette in the lounge, a shower room with toilet, and the small but
cosy bedroom.  She sat on the bed, and saw a stack of games on top of the
wardrobe.  Her face lit up.  You have Monopoly?  I grinned.  "Yep, and I
was your age when I used to play it regularly and got good at it" So we had
our drinks and I started teaching her how to play.  After an hour I had
studied every inch of Mara.  Her freckled alabaster skin, her long red
hair, her bright inquisitive green eyes, her tiny mounds visible under her
white and pink strappy tank top, her short pink skirt and pale blue panties
she loved to flash regularly.  She was beginning to go quiet and moody on
me.  I had told her why the oranges, pale blues and stations were important
and why the pinks and yellows were useful.  I had not told her why the
utilities were also good to have and even though she had all the oranges
and three out of four stations she was losing her advantage as she kept
landing on my pale blues and utilities.  I asked her if she was bored.  She
admitted that she really loves winning lots of money and can we just make
it so she can win lots and lots of money?  So, it was actually she who
asked if she can "earn" more cash to buy more property and build quicker. I
said ok.  I suggested I make up a glass of vodka and fruit juice, and if
she glugs it down in one go, I'll give her Park Lane so she has the set of
purples.  She said what if she could not down it in one go?  I said I'd
give her £200 cash but keep Park Lane.  This was fair.  She finished the
glass in three gulps, took the two hundred, then landed on Fleet Street,
the last property on the board for sale, and asked to pay just the mortgage
value.  I reminded her it goes to auction if someone lands on it and
refuses to pay the full price.  I offered the full price reminding her she
had the other two reds.  She ended up paying £300.  She sulked.  When she
turned away for a second, I deliberately threw a double four and put myself
on her expensive orange.  She was ecstatic and immediately turned all the
houses into hotels.  Oh crap.

   She suddenly had a moment of anxiety and said "I need to pee but how do
I know you won't cheat and steal money from the bank?" I suggested she
count all my money and check back later.  She then said "What if you come
and watch me pee, and then pay me for watching?" I was suddenly gobsmacked.
"Umm," I pondered, "what about giving you £1000 from the bank if I watch
you pee?" She was very ok with that.  So she unceremoniously yanked up her
skirt, pulled her panties down, crouched over my toilet and began to
urinate loudly and forcefully.  She had her eyes fixed on mine daring me to
look.  Of course I did.  Wisps of orange furburger could just be seen.  I
was so aroused I thought I would blow my load on the spot.

   She wiped herself daintily, pulled her knickers up, washed her hands,
and led me back to the lounge.

   I gave her the cash.  From the bank.  All business-like she said "How
much for Marylebone station?" I wanted to say "no amount of money, that
gives you two hundred every time I land there" but somehow I blurted out "a
blow job".  Luckily she just giggled and dismissed it as "no sale" So the
game went on merrily until she asked if we should play it outside now the
sun is not so unbearable.  I thought this one through.  "We'd have to carry
the coffee table outside because I don't have a big enough blanket for us
and the board" She thought about this for a second.  "I suppose you don't
want all our neighbours seeing you have that big stiffy?" "There's that" I
conceded.

   She giggled again.

   She started telling me about her dad.  He was in jail for sexually
abusing her best friend.  She had actually helped groom her best friend and
was actually more angry and jealous that dad had wanted to "do stuff" with
her than with Mara.  "But he's your dad so surely that just makes it
wrong?" Mara reasoned that yeah but she felt like an ugly potato who had
only ever been kissed by her parents on the cheek.  "You're not ugly" I
insisted.  "But would you give me your station for a chance to be my first
proper kiss?" I felt snookered.  If I say yes, she wins the game
eventually. If I say no, I am calling her ugly.  "OK" I handed the station
to her, she leaned over to me and kissed me quickly and confidently on my
lips.  "That was nice" I said.  "Pay me for another?" "Is this purely for
money for you or did you like it too?" "I liked it too." "Then how about we
just kiss some more without it having to be for money?" She nodded.  This
time I kissed her.  I massaged her lips with my own lips and took control
of her small slim frame.  Before long our tongues were rubbing and flicking
and swirling each other's.

   "That was so cool" she finally whispered, breathlessly.

   We carried on the game.  She excitedly danced and cheered every time I
hit a station.  The two-hundreds started accumulating.  I was losing.  She
started getting smug.  She finally quipped that she'd pay me fifty to see
my dick.  I told her for fifty quid she can pull it out of my trousers
herself.  "You've seen mine, it's only fair I see yours" I explained to her
that I could end up in the next jail cell as her dad if she could describe
enough details of my body to prove we had been inappropriate together.  She
explained that no actually, because I was being nice and she liked me and
because she liked me we are ok.  I explained that if we ever fell out and
she ever decided she did not like me any more, I would end up accused of
kiddie fiddling.  She insisted she would never do that to me.  I suggested
a compromise.  I suggested we both take five hundred each from the bank if
I can see her fully naked.  "Why do you get five hundred?" she said. 
"Because then I'm going to go down on you" She wasn't expecting that.  "You
mean lick me out?" "Yeah, kinda.  Kiss you down there, taste you?" She
thought about it.  "OK!"

   Her clothes were off incredibly quickly with no help from me, but I was
definitely kissing and caressing and fondling her all over in seconds.  She
lay back on the sofa.  I knelt before her.  She was dry down there and her
clitoris was not in any way engorged or visible.  I suggested we try
something slightly different.  The shower room was mirrored.  I wanted her
to see herself and know how gorgeous she really is.  We went in there and I
carefully began kissing the back of her neck, previously too hard to reach.
Instant positive response.  I reached around for her flute, my other hands
gently caressing her nipples.  One index finger got to be the bold
explorer. The warmth and wetness were unmistakable, but so was the lack of
a hymen and the looseness of her entrance.  She gasped as I gently teased
her clitoris.  I used her own wetness and massaged in small circles,
rubbing her.  I tasted my fingers.  She growled "get your face down there
please!" We went back to the sofa, she on her back.  Me kneeling,
worshipping her delicious young cunt.  Her orgasm was not unexpected but it
was messy.  She leaked all over the sofa and my tongue.  She was giggly and
relaxed after.  So much so we abandoned the Monopoly game and just finished
our drinks and talked.  We hugged on the sofa, I was big spoon, my cock was
still very hard.  I wanted to fuck her so bad but imagined the Police
report and the court case and everything else that could follow if I did.
In the end I told her I needed her to go home so I can have a wank.  She
told me to add her on KIK and talk later about doing this as a regular
thing.  She knew enough about forensics and court procedures to even
suggest herself that I blindfold her and use a condom some time.  I told
her that was fine, but chatting on KIK was evidence too.  We agreed to
"keep conversation light" when chatting that evening.  She asked me that
night: "When can I cum over for anotha game of Monopoly?  X"

   The next evening she came straight from school.  Her uniform definitely
made her look younger.  Tartan skirt, white socks and a thin white blouse.
I made us some noodles and threw in some beef mince that I had boiled in
guinness.  She phoned her mum to say where she was.  Her mum was on a late
shift at the supermarket anyway.  She said I should fetch the money from my
monopoly set and see how much she can "earn" for doing dares.

   I was happy to do this.  I said "ok, to begin, I want you to drink this
miniature bottle of wine for £200 and then deep throat the bottle for
another £300.  She swigged the wine down quite quickly and then slid the
bottle neck down over the back of her tongue as far as she could get it.  I
was impressed.  I could feel my erection straining so hard, begging to be
inside her.  I blurted out, "Can you do that with my cock?" She said "Yeah
for ten grand" I agreed, and in seconds I was fucking her mouth and holding
her by the hair.  I blew my load very quickly but kept going as it felt so
good.  She swallowed most of it but some saliva and cum dribbled on the
carpet.  I made controlled thrusts as she knelt before me.  A few times we
stopped so she could breathe properly.  After what felt like forever I
exploded again, fully emptying my balls.  Most of it dribbled out of her
mouth down her front and onto the carpet.  I was so spent I could barely
stand.  I led her to the sofa, I sprawled back and she straddled my face. I
ate her out with my eyes closed and as I felt her climax I began to doze
off.  She rode my face a little longer, grinding her cunt aganst my nose
mostly and then collapsed on top of me.  We fell asleep for over an hour in
this precarious position.