Makeing a shoe is so simple, that couple of pictures explains it all

Some help made with splines.

There's 2 segments first is pulled little bit over a leg and second one is pulled down.

Not bad.

All we have left to do is connecting a hand to an arm and then 2 body halfs together

Connecting all the parts together you do just like with the fingers. Delete connection faces and then weld vertices together.

Now just apply Meshsmooth. Check "quad output" and "smooth".

Now it's time for rotating your character and saying "Did I do this!"

If you watch very carefuly you might see, that something important is missing. Yep, a head.
Don't worry here's a small link list for the best head tutorials.

Modelling a Face With Patches

Modelling a Head With Patches

Modeling a Head With NURBS

And THE head tutorial for Surface Tools owners
Facial Modeling - Spline Modeling Heads

This tutorial showed you how to make a "naked" character. There's coming part 2 where is explained clothing (maybe)

All questions/comments are welcome ops@dlc.fi