Neighbour's loan (F/M story)

Living on his own had turned out to be a lot harder than Lance had expected. He had rented a small apartment not too far from the college he was going to, and close to the bar he had managed to get work in. Ideally placed, but priced accordingly too. He was standing outside by the mailbox, looking at the bill he had just opened. How was he going to pay this?

"Hey, neighbour. How's it going?"

He glanced up. It was Rose Henderson, his closest neighbour. "Hi, Miss Henderson."

"I told you to call me Rose," she scolded gently. Rose was in her late thirties, with short black hair, and always with a smile on her face. "Now, why the long face?"

Lance nodded to the bill he was holding. Rose held out her hand, and Lance passed it to her.

"So I'm guessing you're having trouble financially? Well, if you're having trouble paying, I can lend you some."

He smiled. Rose always looked out for others. "That would be great!"

"Just one small thing," she said, suddenly growing serious. "You know why you're out of money? It's because of all those parties you throw. Alcohol's not free, you know. I've seen it before, first time away from the nest, and you think that money will last forever. What's happened is that your parents aren't here to keep you on the straight and narrow, and you lack self-discipline." She pulled her wallet out of her purse and handed him a few bills. "You can borrow this – no, on second thought, it's a gift. But," she said as he grabbed the money, "The next time you're in trouble and need to borrow money, I will be taking you over my knee and taking it out of your bottom."

With a parting waggle of her finger at him, she left. Lance smiled to himself; Rose had such a strange sense of humour.

A month later, he was standing outside Rose's door. The bills were back, and he still couldn't pay. He had tried to borrow money from his friends, but none of them had any to lend him. He didn't want to bother Rose, who was always so kind, but he had to pay his bills, didn't he?

She opened the door and saw him standing there. She smiled when she saw him, then frowned when she saw the look on his face. "Out of money again, huh?" He nodded.

She invited him inside. He decided she would probably give him some little lecture about conserving money and all that nonsense – a small price if she could actually lend him the money. She directed him into the living room, where a big, wooden hairbrush rested on the table. Lance didn't particularly like the look of it. Near the table was a straight-backed wooden chair that looked out of place.

She asked him to take a seat in one of the comfy chairs, but she herself remained standing "Lance, last month, I gave you some money to help pay your bills. I hoped that this would be a wake-up call – you would shape up, save some money, and manage on your own, but you wouldn't be sitting here if you did. I can give you some more money, but this time, there will be strings attached."

Lance rolled his eyes. Couldn't she end this lecture and give him the money already?

"I told you last time that the money would come with a price. And now, it's time for you to pay. Hand me the brush," she said as she sat down in the wooden chair.

He picked up the brush, wondering why in the world she wanted to brush her hair right now. As he walked over to her, he suddenly realized what she was planning. "No!" He told her. "No way."

"What do you mean?"

"There is no way I'm taking a spanking from you. I'm a grown man!" he said angrily.

"A grown man acting like a child," she said, shaking her head. "And I'm not forcing you to do anything. You can still leave. But if you take the spanking, I will give you the money you came here for. I'm not giving you one without the other."

Lance thought about it. He really needed the money, and couldn't think of any other way to get it. Being spanked by his neighbour would be humiliating, but he'd survive, and would soon get his hand on the money. Besides, how bad could it be?

As he handed her the brush, she told him to unbutton his jeans and lower them to his ankles. Reluctantly, he obeyed. She patted her lap, and he bent forward to place his weight on his knees. The feeling of lying across his neighbour's lap with his trousers down, feeling her soft thighs below him and the blood rushing to his head, was a strange experience, especially when she pushed him forward to lift his legs from the floor. Suddenly, he felt her fingers in the waistband of his underwear.

"Hey! You can't do that," he said, trying to stand up, but she placed her hand on his back to hold him down.

"Have you never been spanked before? All proper spankings are given on the bare bottom." And before he could protest further, or try to stop her, she'd whisked his underwear down.

She gently patted his bottom, with her hand, studying her target critically, before lifting the brush. "This is going to hurt, but it's something you've needed for quite some time."

As the hard wood of the brush crashed down on his backside, Lance kicked his legs and cried out, surprised at how much it stung. Rose realized that if he'd ever been spanked, it was a long time ago. 'That makes sense', she thought. 'If he'd been spanked recently, he might be more careful with his money.'

Lance continued to cry out as the fast strokes of the brush flattened his bottom. He wanted to stand up, but she held him down with her left hand, making sure that every stroke landed exactly where she wanted it to.

"Ow! Please stop, I've learned my lesson! I'll be more careful with my money."

She chuckled. "Do you really think it's over already? We've barely started! You'll be one sorry, red-bottomed, tear-faced young man before we're done here."

As the brush moved down to his sit spots, he began to kick even more energetically than before, forcing her to lift her leg and trap him in a leg lock. His cheeks had now turned pink, and there were tears at the edges of his eyes.

"You have been an unresponsible young man, living beyond your means. You'd have no problems paying your bills if you kept your partying and dining out under control. Well, I'm going to make sure you learn to control yourself – or you'll soon find yourself facing the carpet again."

He was howling in pain now, and tears were rolling down his cheeks. He would never have imagined that a hairbrush could sting this much! All the fight had gone out of him, and he lay limply over her lap as he waited for it to be all over.

After what seemed like hours, she finally placed the brush down on the floor, rubbing his bottom soothingly while whispering that it was all over, and that he was forgiven. After a few minutes, he managed to stand up, and she held him close and let him cry into her shirt.

When he'd calmed down, she made him a cup of tea, and they had a nice chat – she was sitting on the sofa, while he preferred to stand. He'd managed to put his underwear back on, but the thought of wearing jeans was far too much right now, so he waited for his posterior to cool down so he could go back to his apartment – if any neighbours were out in the hallway, he didn't want them to see him emerging from Rose's apartment with a red backside visible under his underwear. She'd offered to lend him a skirt, but he'd declined.

After a quarter of an hour, he finally decided that his bottom had cooled down enough to wear jeans for the short trip back home. As he locked the door behind him, removing his trousers again as fast as possible, he decided that he'd be a LOT more responsible with his money from now on. The price just wasn't worth it.