I start with the patch tool for larger areas, such as bikini bottoms or stubborn bikini straps.
Then i use the spot healing brush tool to make these areas appear more natural, remove shadow and remove small areas
Then i use the colour dropper and select the skin tone.
Then i set my brush to airbrush, and set the flow to 1,2 or 3 percent.
I use the airbrush to touch up areas and make them look more natural.
When all of this is done, i use the colour dropper to select a nice colour that ALREADY APPEARS in the image.
This is important because it makes the image easier to look at and gives a better overall finish.
Then i make a new layer and paint my colour over the whole layer
I double click the layer and turn down the opacity so i can see the image underneath, but also see the bubble layer colour
then i use the eraser
I start with large sizes around the edges, for the bikini line
Then i go over the face and chest in large sizes
Then i use smaller sizes to focus on the waist, stomache, legs and arms
Smaller sizes are used to get even closer to the panty line and breasts.
Never overlap bubbles, it looks bad.
Aim to remove as much paint as possible. The sky, the sand, the water do not need paint over them.
Arms, legs, etc do not need paint over them.
ONLY the panties and bra need paint over them.
Obviously there will still be paint in some areas, but remove as much as you can without over lapping and without using thousands of bubbles.
Good luck!