Try this to make a palette. Make a square canvas, say 600 by 600. make the top half on the canvas white, make the bottom black. Make a square in a new layer. small enough so that it covers the white in height but just a little in width. Paint the square with a good average skin color. Duplicate the square layer until you've covered the white and the black with a number of squares. Now, take each square in turn and modify the opacity of the layer so that you get a selection of both lighter and darker tones of the same basic skin color. That's a palette. It's a time consuming but very good way to pick colors for just about any use. In the case of skin color, you might try making the black half dark brown.

Talent is God's gift to you. Using it is your gift to God.