Mrs Smith's first husband, Reginald Roche, died in the war, and her second husband, William Smith, a returning officer, died of cancer when he was 61.
Upon leaving school she worked at the Southern Cross Biscuit Factory until she married Mr Roche, after which she focused on caring for her family.
She has three children and a number of grandchildren, or "plenty of little beggars" as she calls them.
When a loved aunt died, she left Mrs Smith "a few bob" and told her to spend it.
"She said 'Don't bank it, spend it on travel,' which I did, so that's how I travelled most of the world."
Mrs Smith's favourite country to visit was Austria, for "the scenery and all that".
She will celebrate her birthday at Masonic Court.