Learn from the Pros
Watch some porn for inspiration. Although many adult films are badly scripted, you may be able to take away some ideas from these flesh flicks. Read an erotic book for tips. A dirty magazine with photos and sexy stories can be helpful. Consider reading them aloud to your man for inspiration. If you have enough courage, call a phone sex operator and ask for advice.
Start Slow
You're not going to become an expert right away, so ease into the process. If talking dirty in person makes you cringe, start with email or text messaging. Emails and texts allow you to think before you send, so you have a little extra time to come up with something naughty. Plus, you don't see your partner's reaction, so it eases some of the pressure.
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Once you feel more comfortable, make the seamless transition to phone sex. You'll actually be talking dirty to your man, but not face-to-face. Of course, you won't see any of his reactions, which can make it a little easier. Once you have conquered this step, it's time to move on to the real deal.