i can tell that this was a quick texture to make. What to know y? The clothes dont look like clothes. They look like they r pasted on her. Try to add shading to her skin so it doesnt end up looking like a bulk of polygons when light is cast upon her. Make the illusion so the clothes look like clothes and r seperate from her body. To do this just take the burn tool and shade around the clothing area to give the illusion on 3D. Make the belly button look more apparent. After looking at it a second time u need shading on the boots too. They look like a blob of pure blue. Make the top line up with the back (I know its hard to do, I made a ZSS texture and it was hard to line it up in the back and over the shoulder) Also make the body more tan . This includes makeing the face more tan as well. Take a look at her arm braclet things. Pay notice to those finer details. Look at every creace every fold and make those ajustments when nessesary.
Anyway thats all I have to say for now. I'm srry if I sounded negative in any way but thats my opinion of it.
Also pay head to the qoute in my sig. This is one of the many qoutes that any texture artist should take to heart.
Yeah, just use the burn tool, it's cheap, but really helpful.
but, hey, you're new here, so it's not expected to have an extremely super duper mega awesome cream filled chocolatey texture on the first day.
anyways, I hope you get to make more textures in the future.