Cover of The Valentine's Day Debt

Romance

The Valentine's Day Debt

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Long suppressed sexual fires reignites when Neeta visits her college-days lover, Vijay, in Minneapolis for her daughter Charmi's college graduation. Charmi's roommate Ria's crush on Vijay fuels Neeta's suppressed cravings resulting in a submission to her desires on Valentine's day. Vijay and Neeta are alternating narrators of the story that starts from their college days prologue and ends with Neeta's husband willing to share his wife with Vijay forever after her return to India from the US.

Chapter 1: Prologue 1: The First Taste

I never thought I’d be telling this story. But here we are.

My name is Vijay. And this is Neeta’s story, too, so both of us will be taking turns narrating it.

We met in college. Back then, I was just a poor kid, paying college fees by doing part-time jobs. She was this radiant thing—dark hair, thick lashes, a laugh that made my chest tighten. Neeta. Even her name tasted sweet on my tongue and never failed to make me hard.

But before I get to her, I have to tell you about Sukhi. Sukhi was the kind of guy who walked into a room and made the air feel heavier. Rich. Confident. Domineering. My savior. The three of us started as friends, but things were destined to get complicated and they did.

From the day we met, there was a chemistry and a tension between Neeta and me. I tried to ignore it, but it was like a slow burn under my skin, a fire that wouldn’t die. Every time Neeta was near, I could feel the heat of her, the way her body moved, the way her lips parted when she laughed. I had a feeling she was drawn to me as well, but was hesitant and scared of being rejected by her. I had to relive the tension in my balls everyday after returning home. God, how I wanted to taste her, love her, fill her, make her mine for eternity.

---

Mustering all the courage I had, I invited her over to my place for lunch, promising to cook her a Maharashtrian meal. I had made Gori Amti, Kismur and a Konkan variant of Maharashtrian fried fish.

Her reaction to the very first bite she took made my day. Her eyes closed, her lips parted, and she let out a soft, breathy moan that was almost erotic. "Oh my god, Vijay," she said, her voice husky, "this is so good."

I watched her, my eyes unable to move from her lips as devoured my cooking. She was wearing jeans and an off-shoulder top. The fabric of her top clinging to her curves and revealing just a hint of cleavage every time she bent forward to take a bite had my cock stirring. The way she licked her lips after each bite was driving me insane. I wanted to be the one she was tasting, the one she was moaning for.

"More?" I asked, my voice rough.

She nodded, her eyes locking onto mine. "Oh fuck yeah!"

I served her another helping and stood by her side, watching as she took another bite and getting a better view down her top when she bent forward. My cock was rock hard, straining against my jeans. And then it happened.

"You not eating?" she said after the next bite, looking up at me.

When she looked up at me after the next bite, I noticed that some of the gravy had trickled down the side of her lips, glistening on her chin.

"You got some gravy leak," I said pointing to her chin.

She absently tried wiping it, completely missing the spill before adding, "You are avoiding the question. You cook so well, why aren't you eating?"

* because I want to eat you * I thought. "You missed it completely," I said instead.

"You get it then," she said lifting her face and chin towards me and closing her eyes. I couldn't help it. My brain side, wipe it with a napkin, but I was thinking with the hardness in my pants. Looking back at life, what happened next set the course for our lives.

Bending forward, I licked the gravy off her chin.

The moment my tongue touched her skin, a few things happened. A jolt of electricity went through me. Neeta's eyes flung open. She jumped out of the chair in surprise, toppling it.

My brain said pick up the chair. My insecurity braced for a slap. But my eyes didn't know where to focus -- on those eyes that were glaring at me with a fire I was failing to understand or her chest that was heaving in anger? desire?

Neither of us moved. The slap never arrived. We just stood, neither able to find the words that should have come next. Then cupid arrived in the form of a drop of gravy that left her chin and landed on her heaving cleavage, trickling down the valley between her breasts and disappearing in to the folds of her top.

I wasn't thinking anymore. I just went after it. Pulling her top down, I buried my face into the most beautiful valley in the world, my tongue finding the errant drop, cold on my tongue amidst the warmth between her breasts.

Part of me expected to be pushed away. My ears heard a moan. Fingers disappeared in my hair, my head was jerked up and I was pulled into a kiss I could only have dreamed of.

Her tongue entered my mouth and the rest of the world faded away. Her hands fumbled with my belt, then the button, then the zipper and then I was free and in her hand.

She stroked me, hard and fast, her fingers tight around my cock. I groaned into her mouth, my hips bucking against her grip.

My hands were busy pulling her top down. No bra! Her breasts spilled out -- proud, full and heavy, her dark nipples already hard as my fingers caressed them, making Neeta moan in my mouth before breaking the kiss, panting.

"Oh god, Vijay," she moaned, her fingers tightening around my cock. "Don't stop."

I didn't. I bent forward and licked the hard tip of a nipple , my tongue swirling around it before sucking it into my mouth. Neeta gasped, her back arching as I bit down gently. "Fuck, Vijay—" she hissed, her nails digging into my scalp.

Her free hand gripped my hair, pulling me closer as I switched to the other breast, my teeth grazing the sensitive peak. My cock throbbed in her grasp, pre-cum already slicking her fingers as she stroked me. I could feel her pulse racing, her breath coming in sharp, desperate gasps.

"Bedroom," she panted, her voice rough with need. "Now."

I didn’t need to be told twice. We left a trail of hurriedly discarded clothes between the dining table and my bed. Both of us were naked by the time I pushed her on the bed, spread her legs and buried my face in heaven.

Her ache of her fingers pulling my hair paled against the taste of her hungry shaved pussy. My tongue disappeared into her wet folds, licking up her juices like a man starved. She was dripping, her thighs trembling as I spread them wider, my hands gripping her ass to pull her closer. "Yes—Vijay—oh God YESSS" she gasped, her back arching off the bed.

I didn’t answer, just buried my face deeper, my tongue swirling around her clit before sucking it into my mouth. She tasted like sin—sweet, musky, addictive. My fingers reached for her breasts, pinching her nipples hard as my tongue lashed at her swollen clit. Neeta’s hips jerked against my face, her thighs clamping around my head and she let out a primal scream, erupting in my mouth violently.

Her pussy clenched around my tongue as she came, fountains of her honey flooded my mouth as her body trembled beneath me.

I lapped her up, my tongue dragging through her folds, savoring every last drop of her release. She kept squirting for what felt like an eternity and a fleeting moment at the same time, feeding my hungry mouth as she kept screaming my name, begging me to put it in her.

I crawled up her body, kissing my way up her trembling thighs, her stomach, her heaving chest, her neck, her lips. She tasted like heaven, like desire, like everything I had ever wanted. Her legs wrapped around me, pulling me closer, her nails digging into my back as I settled between her thighs.

I kissed her, letting her taste herself on my tongue. She reached between our legs, gripping my cock and guiding me to her entrance. I could feel her heat, her wetness, her need. I wanted to tease her, to draw it out, but I was too far gone. I needed her too badly.

Our lips locked, eyes boring into each other, I entered heaven with one long, slow push.

Her back arched, her neck exposed, and a guttural moan tore from her throat as I filled her completely. I buried my face in her neck, licking and biting. Her nails dug into my back, moving down to my hips and pulling me deeper into her.

She clenched around me, her walls pulsing, milking me as I stayed buried inside her. Our lips and tongues met again and I started moving in and out of her, slowly at first but picking up pace with each thrust.

Her nails dug deeper into my skin as I fucked her, her legs wrapping around my waist, pulling me deeper into her. "Harder, Vijay, harder—" she moaned, her voice a desperate whisper. The sound of our bodies slapping together filled the room, her wetness making obscene, sloppy noises with every thrust.

She hadn't lasted when I ate her out, and I didn't last either. Well, I lasted long enough to time my release with her second orgasm.

I could feel her pussy tightening around my cock, her walls fluttering as she came undone beneath me. Her back arched off the bed, her nails digging into my shoulders as she screamed my name, her voice raw with pleasure.

"Fuck, Vijay—oh God, I'm coming—don't stop—" she panted, her thighs trembling around my hips.

I couldn’t hold back any longer. My balls drew up tight, my cock throbbing as I buried myself to the hilt inside her. I came with a guttural groan, my release spilling deep inside her, filling her up as her pussy milked every last drop from me.

"Don't pull out"

"I won't"

"Just stay in me."

"For ever and ever."

And then she giggled, "you never did get to eat lunch did you?" she said, her fingers running through my hair.

"Actually, I did." I said with a wink.

---

After that day, we couldn't have enough of each other. We did it at every opportunity, from stolen quickies to weekends spent fucking like rabbits. Graduation was around the corner and I planned to propose to her on the last day of exams. But then, life had other plans.

Sukhi and I were stepping out of class when an attendant approached telling me I was to visit the office. Being summoned to the office just a week before the exams couldn't be good news, so Sukhi decided to tag along for moral support.

The moment we stepped into the dean’s office, I knew what was coming. The look on his face said it all.

"You’re being expelled, Vijay," he said flatly, not even looking up from his papers. "Your fees are overdue, you haven't been able to pay your dues in spite of multiple reminders and we can't let you take the exams with unpaid dues."

My stomach dropped. I had been working three jobs just to keep up, but the hours had been cut, and I was behind.

"Please Sir, my entire career and life is at stake. I can't miss exams." I said, my voice barely above a whisper. "I have to graduate. I have to provide for my family. I have to—"

Sukhi cut me off. "I'll pay it."

I turned to him, stunned. "What?"

He shrugged, as if it was nothing. "Just let me handle it. You can pay me back when you can."

I wanted to refuse. Pride and dignity warred inside me, but the reality was, I had no other choice. "Thank you," I said, my voice thick with gratitude. "I don't know how I'll ever repay you."

Sukhi clapped me on the back. "Don't worry about it. What are friends for if they can't help each other right? Besides, it's a drop in dad's bank balance. Nobody will even notice it."

I didn't know then, that this would come back to haunt me and change the path my life was about to take.

---

I didn't have much, but whatever little I could manage to save went into a modest ring. Neeta wouldn't mind that it wasn't a diamond. She would see it for what it was -- my lifelong commitment to her.

On the last day of exams, the ring in my pocket and the biggest grin plastered on my face, I was on my way to claim my destiny, but I never got there.

Sukhi's house was on my way to college. I had just walked past it when I heard him call out my name, having just stepped out the door.

Together, we started walking towards college when he dropped the bomb and the earth disappeared from under my feet.

"Dude, can you keep a secret?"

Sukhi asked, his voice low, almost hesitant.

I stopped walking, my stomach tightening. "Of course. What's up?"

He exhaled sharply, running a hand through his hair. "It's about Neeta."

My heart skipped a beat. "What about her?"

Sukhi looked at me, his expression unreadable. "I like her, Vijay. Like, *really* like her. I've been wanting to ask her out, but you know how she is about entitled rich kids."

My throat went dry and the world started going blurry before my eyes. My fingers clasped the ring, begging life to have mercy that I knew wouldn't be coming.

Oblivious to what I was going through, Sukhi continued rambling about his feelings for Neeta, his insecurities, not knowing if she liked him and on and on. I heard the words but nothing registered till he said, "I am going to ask her out on Valentine's day. What do you think?" Sukhi asked, his voice hopeful.

I couldn’t speak. My tongue was glued to the roof of my mouth. The ring in my pocket felt like sand slipping out of my fist, dragging me down with it.

"Vijay? You okay, man?"

I forced a nod, my throat too tight to speak. "Yeah. Yeah, of course. You two would be great together."

The words tasted like a death sentence I pronounced on myself.

Sukhi grinned, clapping me on the back. "Thanks, bro. I knew I could count on you. You’re the best."

I managed a weak smile. "Yeah. Of course."

And just like that, my future evaporated.

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