Such a Naughty Girl by Effie Campbell

Stranded with a country hermit who’s double my age? How bad could it be…?

Izzy Stanton gets stranded in a snowstorm on the way home from college. Distant lights bring her stumbling onto a rugged older man’s doorstep, where she begs for a place to stay. But Emmett has been hurt by women in his past, and he doesn’t want an intrusion to his quiet escape from the world.
Izzy decides she’ll do anything to avoid freezing to death outside the stranger’s cabin, spiraling herself into offering up a series of increasingly depraved acts just to acquire shelter and food. Acts that she’s never offered anyone else. Acts that make her equally disgusted and eager for more.
Instead of being her parent’s well-behaved girl for Christmas, she becomes Emmett’s naughty girl.

SUCH A NAUGHTY GIRL is a standalone Christmas Novella with high heat, if you’re the kind of reader who expects coal for your TBR content, then this one’s for you.