Start with nude base coat or a "natural" sheer coat coats). When dry use tape or free-hand white tips on each finger. After that dries, in a navy blue polish, use a nail art pen or fine-tip brush to create a clean line under the white tips. =]
Snowed In? We've Got 15 Easy-to-DIY Nail Art Designs to Try
add a little petroleum jelly around your fingers (keep it off your nails!), base coat your nails with the 'bottom' color, draw two stripes of color on a make up sponge and dab on your fingers to blend.