Hmmm, the description does actually help quite a bit.
I think a question you need to ask yourself is, given the structure of your story universe, what does "finished" mean? For example, in your first (least favorite) story, have you laid the groundwork necessary for the later stories? Is the relevant information and characterization in place? If so, then it doesn't really need to "end", does it? Get your hero/heroine into an appropriate situation where there are a couple of choices and then stop. Let the reader decide how it came out.
A great little short story written on the ASN boards a while back has a girl in an embarrassing situation. The situation ends and afterwards, the antagonist comes in, tells her that it was obvious that she got turned on, and offered to help put herself in future similar situations. Then he leaves and the story ends with the line (paraphrased) "She got ready to take a shower. She had made her decision."*
Now, I really would have enjoyed a follow-up, but it was unnecessary for my enjoyment of *that* story.
* I think it was Somebody's Hawaiian Vacation, but not sure of the exact title.
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