Terry Crawford Palardy was born the fifth of nine children in South Boston, Massachusetts. She attended both public and parochial schools in the city, and then the family moved during her Sophomore year in 1964. Until that first semester ended, Terry lived with her older sister Kay in Dorchester, taking the T subway train back to South Boston each day for school.
Terry then entered Georgetown Jr./Sr. High School, and played on the basketball, softball and field hockey teams. After graduation, she attended Northern Essex Community College for her Associates Degree. After a few years as a tax examiner for the Internal Revenue Service, Terry returned to college for her Bachelor's Degree and teacher certification. A few years later, she was employed by the Andover Public Schools, and she attended classes with Lesley University for her Master's Degree. She continued to teach in Andover for thirty years.
A diagnosis of multiple sclerosis late in her career eventually limited her stamina and she retired. She now writes books, makes small quilts, and embellishes the beautiful wooden articles that her husband Rick makes and sells in their shop, Wooden Toys and Gifts. They are now living their happily ever after years.
Terry and Rick have a daughter and a son, both now adults, and two grandchildren in Maine.