If in doubt, act it out (as long as you aren't trying to draw a ninja leaping sideways through a window). Try standing in the pose you're drawing to get some idea of where all the bits and pieces are going.

First, I've rotated the pic so she's vertical - otherwise she looks sort of off-balance, which is bad if you're trying to carry a heavy load (on the other hand, trying to carry a wriggling person isn't easy, so maybe the off-balance thing would add some interest to the picture, but I'll keep things simple here).

So let's assume she's trying to stand upright and balance while walking. I've bluelined in her left leg, which should be almost directly behind her; the greenline is her right leg, almost directly in front. I've drawn in the shin and ankle where it overlaps, but obviously you wouldn't be able to see it.

You've got the twist of the hips more or less right, but the shoulders should tilt slightly in the other direction to balance things off.

Lastly, I think the elbows should be a little further down, at her waist. Try carrying a pillow and see where your arms end up (I didn't so I could be wrong).

Okay, hope this helps, keep going!

To go along with what Phoerfagge siad, you might wanna consider investing in one of those silly little wooden manequin thingies, so you can pose it and get the shape down and stuff.

>>458
No, elbows at the waist would be way too low. Mine only come down to my lower ribs, and that's several inches higher than my waist.
>>457
If you're trying for the 'walking' look, then what Comrade said is a good start, but instead of making the blue leg completely straight, you'll want to use foreshortening to have it bend towards the viewer. You'll want to make the rear foot look slightly larger than the front foot to show the difference in distance from the viewer.