Great art. Great idea.
I love how the rays of light contrast with the drab, cloudy sky. They're nice and subtle too.
After all these Disney princess movies, I'd be surprised if this hasn't happened yet, hahaha.
You've placed your ideas down so well. Even the clothes that the girl's wearing kinda tells us everything we need to know about this girl. The setting is also brilliant. It's not very cliché. It has very much captured the realism of the situation.
If I have to find any criticism, I'd say, maybe, work on making the lip physics (?) a little more realistic. It is nice that you have such a basic background, because it doesn't distract from the focal point. But, maybe there could be some tiny pebbles/insects/tufts of vegetation in the mud or subtle ripples on the water, just to add a bit more texture to the world.
That's only nitpicking for the sake of it though. I really do love this picture. Good job :)