Lula Vaughn Smith, of Covington, died on Tuesday, December 28, 2021, aged 95.

Lula was born on August 3, 1926 in Jefferson County to Walter Cox and Sally Holton Cox. Lula graduated from high school in 1943 and went to UGA where she obtained a business degree, which sparked her many efforts.

On June 15, 1943 Lula married Bill Vaughn, it was a beautiful home wedding with a scorching 102 in the shade, she went to work at Royston Bus Station and Western Union. In 1944, Lula attended Athens Business School and graduated with a Business Degree. After completing her studies, she accepted a job at TY Cobb Memorial Hospital in Royston. In 1949, Lula moved to Gainesville, Georgia, and accepted a position as an accounting assistant for a Pontiac dealership. She later worked for Liberty Finance, where she kept the books of 13 financial companies. While working, Lula attended school to obtain her A / H license and also attended tax school.

On June 20, 1952, Lula gave birth to a son Wayne Harrison Vaughn (the light of her life) Then in 1954 they moved to Covington Ga, and 4 days later she joined the First Baptist Church in Covington, she continued to work for Liberty Finance and eventually opened her own finance company known as Newton Finance, where she worked many hours, taught finance classes in several surrounding towns as she was determined to have a successful life. Soon after, Lula bought Covington Credit Bureau and formed a collection agency in Covington, then Butts Co. finance co., And a credit bureau and collection agency in Jackson. After 24 and a half years, Lula lost her husband on January 11, 1968, when later that year she sold Butts Co. Finance.

Over time in July 1970 Lula remarried Robert Smith, they had a great 23 year marriage which was a blessing. Bob helped Lula in many ways, he was a good husband and a wonderful friend. Robert (Bob) Smith died on March 17, 1993. In January 1971, Newton Finance was sold. But the office was kept open for an accounting and tax service. (She had been working in tax since 1949) Lula then decided to go to the University of Georgia to get her P&C insurance license and changed her company name to SMITH INSURANCE AGENCY which is still in business.

Lula Vaughn Smith was not only a businesswoman, but was also very active in her community. Ms. Lula served for four years as Assistant State Loan President to Senator Culver Kidd. She was President of State Elks Auxiliary 1967-1968 when she helped raise funds to purchase the first public water fountain donated to Lion’s Park in honor of Bill Vaughn, picnic tables and benches at Lion’s Park. Ms Lula was President of the American Legion Auxiliary 1991-1992, when she visited and brought refreshments to the Veteran Home in Atlanta and Milledgeville and helped raise funds for St Jude Children’s Hospital sponsored by Danny Thomas.

Lula has always enjoyed working in her church, she was president of Sarah Thornley Missionary Circle, taught Sunday School and Georgia leadership, and was a member of the First Baptist Church choir, Cub leader for 3 years when Wayne was a Cub, and has always served on several committees. She was also president of the GreenThumb Garden Club (where she helped plant shrubs at Fiquitte school), member of the DAR and former regent of the Huntingdon chapter, member of the Eastern Star, she worked with the commissioner for insurance Jimmy Bentley of Milledgeville Mental Health Facility, Newton General Hospital volunteer (medical records entry) was treasurer of the hospital gift shop, as you can see Ms Lula was a busy working woman, she even ran for tax commissioner in 1968 and 1976, didn’t win, but Smith Insurance has one of her campaign posters hanging on the office wall.

Once again, Lula Vaughn Smith got married at the age of 77 to Winston C. Rachels, who died a few years later as they recounted how they met on the school bus in South Georgia, Winston claimed he had a crush on her then. but she didn’t tell him the time of day, they saw each other at Waffle House and talked, at which point they started talking, and soon it was like teenagers – the office phone was ringing with him calling her or she calling her, they got married soon after.

Ms Lula also owned a rental building “that everyone occupied” and owns “The Lula Building” in Covington Square, Georgia, which has rental space and her insurance agency Smith.

Ms. Lula’s own words were “I am contributing my success to God!” And try my best to live a good Christian life, I love people and pray for every night.

What a remarkable life she has lived. The memories she shared, the advice she gave and many lessons. We love you Mrs. Lula.

She was predeceased by her three husbands, William W. (Bill) Vaughn, Robert E. (Bob) Smith, Winston C Rachels; parents, Walter H and Sally Lou Holton Cox; sister, Lucile White, Mary E. Rachels, Lyle A Cox Davies; brothers, Woodrow Wilson Cox, John H. Cox, Walter H. Cox.

Survivors include her son, Wayne Vaughn (Pam); grandchildren, Tonya Coe (Donnie), Dustin Hilton (Dixie); great-grandchildren, Dylan Coe, Dawson Coe, Dayton Hilton; as well as several nieces, nephews and other special family members and friends.

A funeral service for Mrs. Smith will be held on Sunday, January 2, 2022, 3:00 p.m., at the First Baptist Church, 1139 Usher Street NW, Covington, with Dr. Cody McNutt and Reverend Len Strozier celebrating and burying at Lawnwood Memorial Park , Covington. Friends are invited to visit family at Caldwell & Cowan Funeral Home, 1215 Access Road, Covington, on Saturday, January 1 from 2:00 p.m. to 4:00 p.m. and again this afternoon from 6:00 p.m. to 8:00 p.m.

Governor Brian Kemp’s latest executive order removed restrictions on large gatherings; however, CDC guidelines recommend social distancing (6 feet away) and wearing masks in public. Caldwell & Cowan Funeral Home asks you to follow these recommendations when you are in our funeral home to attend visitation and / or services.

This obituary was prepared with love and affection by Mrs. Smith’s family.

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