SpiritDreamers,
Great to have you back! SD1 ~ watch the proportions of the head ~ looking a bit small at this point. I know you’ll correct it as you go along. 
drawMonger,
Nice update!
I think that you’re definitely going in the right direction with this. Having said that, I really like David’s (Corvax’s) comments re: adjusting the curves of the image. I think these are great comments! I would like to add to this discussion by noting the color temperature of sections of the models body ~ note how warm/orange/pink her shoulder area seems with respect to the cool/bluish green tones of her legs. Her face is cooler than her shoulders, with a bit of bluishness, but not nearly as cold as her legs are. If you look at your current image, all of the areas of the body have about the same color temperature. Try tweaking these areas (perhaps using blending modes only, at first) to vary the color temperature of various sections of the body. 
David,
Thanks for all of your great comments! I think this is really useful!! 
Mr. Mu,
Great to see your work here! What I always recommend, particularly those who are new to digital painting, is to do studies in grayscale.
Check out:
TUTORIAL - Digital Figurative Painting from OFDW - by Rebeccak
and
Stahlberg’s Painting Tutorial
which both go into painting in Black and White FIRST before adding color information through the use of layers set with Blending Modes.
I always recommend filling the bkgrd with a neutral tone ~ not leaving it white, as values are all RELATIVE, and against a white bkgrd, your values of the figure will be thrown off.
Hope this helps, and look forward to seeing your update! 
Cheers, 
~Rebeccak