You and your roommate are in desperate need of rent money, both of you having recently lost your jobs. Your roommate suggested entering into a Halloween costume contest at the local farm's pumpkin patch. It seemed like a reasonable idea at the time; desperate times called for desperate measures. The plan was for your roommate to dress up as a farmer while you dressed as his sexy cow. Being the sexy cow wasn't your first choice, but you were the one to lose at rock-paper-scissors.
You wince after getting the costume on. "Okay, there are a few flaws in your plan." You were already apprehensive when this started; now, you are completely fed up. "No amount of padding or stuffing will make this work." You give your roommate an annoyed look as you gesture to the ill-fitting women's clothes you were forced to change into.
"No, no. Trust me. This is going to work." He shows you the cowbell collar with a devilish sparkle in his eyes. As you begin to protest, he overpowers you and clasps it around your neck.
Suddenly, it feels like you have fallen into a trap.
"You bastard! Take this thing off!!" You shakily grasp at the collar, looking for a way to remove it, but the band is entirely smooth. "H-Hey!! I am not joking! Take this thing off! It's hot!" You yell, the panic in your voice clear as day. You vigorously tug on the collar, but it won't budge. The blistering heat that started on your neck gradually disperses across your body.
The changes are immediately recognizable. The skirt that had previously been sliding down your waist now lays evenly across your swelling hips. Your flat ass pumps up, becoming round and succulent.
"W-- What the hell!" You squeal as your voice heightens in pitch. Having not put underwear on yet, you lift the fabric of your skirt and try to get a look at what's causing the sudden tightness between your thighs. Your penis is visibly smaller, deflating rapidly with every passing second. As your hips crack and expand, your testicles recede into your body. "N-- Noo!" You squeal as you probe your empty scrotum. You try fruitlessly to grasp the loose hanging flesh before it fully tightens to your pelvis, and a seam opens down the middle.
As your cock withers and your urethra closes, your breasts balloon outward. You soon cannot see a thing below your waist as your vision is disrupted by your ever-inflating chest. From this angle, you notice how much more slender your shoulders and arms have become, your muscles having melted away. When you put this top on earlier, you never once thought you could adequately fill it. Now, however, your bountiful bosoms nearly overflowed from their confines. Finally, the remains of your ballsack fully reform into your vulva, your new urethra and vagina popping open while the head of your penis nestles within the folds as your new clit.
Staring at your new body, you feel a hot tingle and a desire to explore every inch of this new form. 'As soon as I remove the bell, I will change back.' There was another nagging thought in your head. You always told yourself that if you turned into a woman, you'd masturbate before anything else. Your hands tremble with eagerness and anticipation, your female hormones overwhelming your senses. You are ready to fulfill that fantasy now.
"Great, you're all ready to go. Come on, or we will be late. We have rent money to win." He acts casually, as if he didn't just watch you transform before his eyes.
You quickly snap out of your fantasy. "Wh-What?" You stare at him, mouth agape.
He takes your hand, swiftly pulling you out of your haze and toward the car. You weren't even given enough time to put panties on.