It's been a while since I did a CS contest, but it's worth a shot. ^^
I tried to go for a very 'natural' set of base colors (dark brown and tan with dull orange markings), and then added the blue over top in a way that might suggest they were 'tattoos' on a human - simple markings taken on by choice. The hair has two layers down the front, the first dark brown, black and dull orange. The longest layer is dull orange and blue.
The bracelet is the big, blocky plastic kind that has tiger stripes, she has blue-green feathers in her hair, and the necklace is completely random. I just thought it looked cute, and vaguely recalled heart necklaces being deemed 'scene'. XD It can be either plastic or glass with a satin ribbon.
Enjoy!