...t'is the season to be worry..I don't know Amy, maybe your mum is feeling some financial stresses particularly atm with Christmas and the expense of it, so it's something that she's said to you without thinking your side of it so much..parents do that sometimes, the same way as their children do, we all act and react because of our stress levels etc...the good thing is that you're coming up to a time when you'll have some time away from work etc together, a more chilled and relaxed time, so you can both talk about it and you can explain how you contributing more would be such a struggle for you, with all of the other things that you're committed to financially..I know that she'll know that already when she thinks about it more deeply but could probably just be so worried, herself atm...I think when you both sit down and talk together, you'll figure it out but I think your reaction atm is one that many would have but obviously you both need to understand each other now, each one's financial pressure etc...and Christmas time/holiday time is a good time to do that....
...you can also explain why you think that giving the password to a neighbour is really not a good idea at all, children are often so much more internet etc savvy than their parents...I'm sure that she thought she was doing a kind thing and maybe for someone else who she felt may be struggling..?...sounds like a sweet and kind mum to me, even if it isn't such a clever idea...and I know that she has a sweet and lovely daughter as well so you two will figure it out together...
...