You wanted me in boots, so I wore my beige high heeled boots that come
up to about mid calf height. With these, I wore full white underwear
(bra, panties, suspenders and stockings), a beige satin blouse with a
matching scarf that hangs down just past my waist and my white business
suit. I throw a white hangbag over my shoulder and I was ready to go. 

I walked down to the lake and found a nice muddy patch to start with. I
stepped into the mud and let my boots sink slowly into it. I then sat
down in the mud and began to rub mud all over my boots and up my
stockinged legs. I also rubbed mud into my panties as the mud soaked
through my white skirt and through to my bum. After that, I rubbed some
mud onto my skirt. It really made a nice contrast against the clean
white material.

Then, the bit I enjoy. Time to get wet!!! I walked into the lake and let
my boots filled with water. Wow, that was good. I walked in a little
deeper until I was waist deep then slowly lowered myself into the lake
until I was neck deep. I crouched there for a moment with my scarf and
bag floating in the water in front of me before I started swimming.

After 15 minutes of this, I began to get cold, so wash the mud off my
clothes the best I could, climbed out and walked home. I got straight
into a warm bath, still fully dressed of course, and began to warm
myself and clean myself.

-- 
Heather