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.