It could be a bit of both. I find sometimes parents see things we buy and think oh must be nice to be able to afford that off what I pay you. We bought a new camper 2 summers ago and ended up having to buy a newer vehicle for my husband to go to work with as our other vehicle died. I also have a house cleaner who comes 2x a month. What I do with my money is my business but I know I have sensed the tone of voice when comments are made.

You can't worry about what she thinks. She asked and you said no. Don't think about it too much. If you make carry on as nothing has changed then hopefully she can get over it.