Your kilt should be up just a bit higher - the top edge should ride about 2" above your true waist, and it looks like you have your kilt buckled on with the top edge at your waist. That makes the kilt too long, and it puts the belt below your waist.

If the kilt is too big and you can't keep it up where you need it, have someone move the underapron strap and the the two buckles on the apron (fringe) edge. That will allow you to buckle it tighter and keep it up where it belongs!

Best of luck with the pipes! Who do you play with?