I need advice on how to talk with an older person without being too harsh to them?

So I met this older lady at church a while back and while she's really nice I think our communication needs some work. As while as letting her have a better idea of who I am. There a lot of misunderstanding when I ask/ tell her something. Besides being a quiet soft spoken person I'm also very independent and I find when I become too reliant on others it makes me angry with myself I been like this since I was 15. I get walking 5 miles or less is not seen as normal to most people but it's my normal and I'm not sure what's the best way to tell her to back off without being too harsh. Next time I see her I'm going to give her $20 for all the times she gave me a ride home/ took me out for dinner and pay for my food etc. In the pass even when she is feeling under the weather etc. she still offers to take me to church which is within my walking distance or to a church event which even if I wanted to go I don't want her help I rather see if I can get someone else and if I can't then I'll dale with it. I think I know the difference between wants and needs I was rise by a single dad from12 through high school.

I need advice on how to talk with an older person without being too harsh to them?
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