Nice drawing. What I noticed is that you are using parallel lines along the front of the blouse. Also, the shape of the breasts would effect the the shape of the opening in the front of the blouse.

The best place to go as a beginner is the figure drawing course by Proko, he provides various exercises that helps you understand the rhytms of the body. Since you want to create characters I'll suggest lloking for his chapter on proportions, when you combine this with the manequinnization chapter, you'll have enough material to start practicing with drawing whole characters. After this course you can start any course on characters that you find appealing and interesting. As for the drawing, looks nice, the stylistic choices look appealing, maybe you would want to look for a course on character design, if it's something that interests you at the moment. So yeah, those are the things tha you may want to focus on to get some progress in the right direction. Hope this helps!