>>3011
overall, the drawing is okay. There's a lot of subtleties in your reference which make it difficult. The background is over-exposed as well; I would not paint the flaws of photography, paint how you feel/think it should be.
Next, I recommend that you use the dodge tool less, because it is pushing your values too much in the light. You can use this link to assign a hotkey for checking your values. http://www.artofscholes.com/checkingvalues/
Another problem you have is too many hard-edges. Notice the border between the hair and her face; its edge varies quite a bit. Paint the edges you see!
Your color is off because you are missing the color temperatures. The face is rather cool, not warm. You've also painted the hair on the left too saturated, that's why it looks to warm. The same hue, with the same value, but with less saturation will make it read more cooler and accurately.
I did a rather shoddy paintover to demonstrate some things I talked about.