Carlos, just keep thinking "Grandchildren". Full circle tends to come full circle.

Talk to the kid, calmly. Explain what happened to you because of her "crisis".
It's not like she's going to understand, but she'll understand the next time she sticks her hand out and you explain you haven't finished paying off the ass pounding she gave you last time.
Plus you want to take Mom to the ball game, and it's your last $500 bucks.