これはおそらく、部屋で一旦着替えて、

ノーブラ・シャツ状態で脱衣所に来たところ。

今年は環の年にしなきゃ。

In this case she probably got changed in her room,

and came to the changing room with a shirt, but no bra.

This is going to have to be a year of loops.