''No, not even a month ago did I think that,'' she said on Saturday.
All dressed up for her birthday lunch at the Green Island Presbyterian Church on Saturday, Mrs Galloway (nee Coupar) admits to needing a bit more help these days than previously.
Her days living on her own in a flat in Green Island might be numbered, she thought, even though she kept in good health for her age.
Up until three years ago she was still playing bowls - one of her passions which saw her awarded life memberships of both the indoor and outdoor Green Island clubs.
And only a year ago she was still walking into Green Island to do her shopping. It was keeping fit and active in the community, including as a leader in Girls Brigade for more than 25 years, that helped contribute to her long life, she said.
While knowing a card from the Queen would come on her birthday, she was surprised to receive ones from those ''bigwigs in Parliament'' Prime Minister John Key, the Governor-General Sir Jerry Mateparae, and Internal Affairs Minister Peter Dunne.
She was born in 1914 and brought up in Dunedin, first in High St and then, after her father died when she was 6, the family moved to Andersons Bay.
It was the wide paths used by pedestrians and cyclists in Andersons Bay in those days that the Dunedin City Council should be looking at now, she said.
''I often think now they're talking about cycleways they should go back to those days.''
After attending the technical high school, she worked in insurance before marrying the late William (Bill) Galloway at First Church in 1939.
They went on to have three children and now Mrs Galloway has eight grandchildren and at least seven great-grandchildren.
