**Its kinda hard to really see what going on in the pictures due to there resolution. So i might be wrong, but then you can just ignore what i write :)

(English is not my native language, so some of the stuff might not make sense, but ill try to do my best :D)

However based on what i can see on the images, i would suggest that you try to model the mesh in a way so it follows the curvatures of her body in such way that it flows with the muscles and bones. Whatever defines the shape of her body.

The easiest way to model, at least for me, is to start with a very rough shape with as few polygons as you can get away with and then get as much details out of it as possible, when you cant get more details out of that shape,  you add more polygons and get as much out of that as well, and so on. and you keep doing that until you are satisfied.

Said in another way :)

Start by defining the overall shape of the ribcage, arm, head etc. After that you can start to add details, like how does the upper body and legs connect to the pelvis. But always model the largest shapes first. Dont start modeling every single muscle after you have defined the overall shape, start with the big ones and work your way down. You can always add more details later when they are in place. Also it will make it a lot easier for you to model the mesh so it follows the natural flow of her body. And its easier to avoid getting a lot of unnecessary  polygons.

Which will become important later on, if you plan on rigging her and use her for animation. Otherwise you might end up with the mesh bending unnatural.

Also looks like the shoulder area could use a little more details especially if you are going to animate her.

Other than that it looks good go go poly :)

Anyway as i said its not that easy for me to see it due to the resolutions of the images, so you might already be aware of it :)

 

**