Margaret was the fourth child born to William and Tillie Harrington. She was born in November 1883 and grew up in Charlevoix County, Michigan.

She married Joseph Ashfield Caulder on April 26, 1904 and began an amazing lifetime. Joseph was a District Superintendent of the Chicago Portrait Company in Southern Illinois. Margaret's mother Tillie grew up next to the Caulder family in Quebec and introduced the couple to each other. They settled in Mt. Vernon, Illinois. In the next few years, Joseph started the Crescent Art Company and moved the headquarters to East Jordan, then Brandon, Manitoba.

From there, the couple moved to Saskatchewan where their daughter Helen was born in Moose Jaw. A decade later their son Joseph Arnold was born.

Between 1926 and 1929 they moved to Toronto, Ontario. Joseph died on September 27, 1971 and Margaret died in 1973. They were both buried in Mount Pleasant Cemetery in Toronto.