How to draw clothes

Head, upper and lower

Save these 3 models on your PC.
With Photoshop, draw your clothes on the images.
Fill hands and skin with a transparent color.
Save in PNG format (because JPG does not support transparency)

How to dress with the textures ?

Right-click on the floor and choose the menu "My Inventory"
Your inventory appears on the right.
Click the IMPORT button and import the PNG file.

Click [+]Inventory to open the tree, then [+]Textures to open the Textures folder.
Your PNG image must be there.
Right-click on your image and choose the "Properties" menu.
In Properties, check 'For wearing', choose Body Part : Chest, Layer : Clothes.
Click OK to close.

Right-click on your texture and choose the menu "WEAR".