Phone sex is a fun and safe way to enjoy sex. Think about it. No chance of catching a disease. The problem is that a lot of people are not as vocal and expressive about sex as others. If you are going to embark upon this journey, my first suggestion would be to allow yourself to be free to say anything that comes into your mind, no matter how nasty. Your mother is not there to wash your mouth out with soap, so be creative! You have to separate yourself a bit and describe what you are doing as if you were somewhere in the room watching yourself. You have to allow the fantasy to take you, and make your body follow. Pretend it is your friend doing things to you, and move your hands (and/or toys) accordingly. Have fun with it!