I think the body is too square. The waist should have more of a ) . ( shape, the dot being the position of the bellybutton. Also, the legs are the same width as the hips, which legs usually are not.
Female figure is one of the hardest things to draw, though. I made all the mistakes you made at some point, and I still make a bunch of mistakes now.
Also, look at other artists and just generally at the actual thing to see how pants and shoes work together. That's a really difficult bit to draw, and just doing it by feel is pretty much a lost cause unless you've had practice.
Overall, though, good job. I really like your sense of color.