I'm also hosting a contest for her in DeviantArt. If anyone has a DA and wants to join then follow the link below:
http://milanamill.deviantart.com/journal/Draw-my-OC-Terra-CONTEST-ON-GOING-459178428

Full sized picture:
http://fc03.deviantart.net/fs71/f/2014/158/b/8/terra_reference___contest_and_speedpaint_by_milanamill-d7lc2ai.png

Speedpaint
https://www.youtube.com/watch?v=hAxpucWZZyE

Okay, so now I've had my good night sleep and can finally write things down. To be honest I'm quite proud of this reference. It looks far better, than that previous one, which was so freaking ugly >: (
I think I've got little bit better at shading clothing and folds. I even figured out a good way to shade white and not to make it look dirty :3
Anyway let's get to the story, shall we.

Backstory

Terra is a 17 years old human girl who lives on earth. She was found left alone on the street and there's no clue of her parents. Terra herself remembers only very hazily things about her past but the memories are all mixed up and she no longer knows what's an actual memory and what are just dreams. Terra does remember a voice calling her name, which she thinks is a memory of her mother calling her. She lived in orphanage but moved on her own as soon as she turned 16. She's planning on finding her parents and clues of herself.
When she was going home one night she was accidentally sucked through the portal of time and space (a.k.a Black Hole), that opened near her. She was sent to another world where she met Chris. He promised to help her to find a way to open up a portal again and sent her back home. Sadly not as easily done as said, because to open the portal you need powerful magical source and sadly, they are no longer to be found. Chris and Terra start travelling around the world together, trying to find anyone who had the power to open up the portal and send her home.

Personality

Terra usually gives off the impression of gold woman, due to her appearance and cold eyes. She's labelled as a beautiful woman and is usually compared to a model. Cool and pretty as they like to say. Truly she's very kind and thoughtful, though she has a very sharp tongue and while she means well, she can be very harsh with her choices of the words. She's determined and fast to learn. But there seems to be more to her than meets the eye.