and the pattern above for my fill, using vectors I made part of her dress.
I used a pretty big canvas size for her, open a new image 300 x 650 on a transparent background
I started with her dress using freehand draw and the pattern above for my fill, using vectors I made part of her dress.
When you are happy with the way it looks, right click on this layer in your layers pallet and choose convert to a raster layer.
I changed my fill pattern and used freehand draw again to make more of her dress.
Convert that to a raster layer and then using the same pattern as before, I made her sleeves using freehand draw.
Convert this to a raster layer.
I went back to the middle dress layer and used the retouch tool 
at Darken RGB with these settings
To add some details to her dress
And then on the other two layers I used retouch with the same settings to add more details.
Changing the Lighten and Darken RGB settings, I went back over all three layers and added more shading, and some highlights.
When you are happy with all that shading, change the fill pattern to your choice for her legs. I used freehand draw again to make the legs, preset shapes works good too. The legs should be under all the dress layers.
Convert this to a raster layer and use Darken & Lighten RGB to add some shade to her legs.
Changing my fill color to #9B8367 I used freehand draw to make some shoes above the legs.
Convert this to a raster layer and use the retouch tool to add some shade on her boots.
I added a new raster layer above her boots and using the draw tool again with vectors unchecked, single line, and my stroke color as black and a fill of null I made some shoe laces. And then used the paintbrush at a size of 6, shape = round, Opacity = 100, Hardness = 0, Density = 100 and used black again to make little holes for the laces.
