sorry to hear about a person close to you passing away and yes no-one gets notice for that happening/funeral times
With regards to parent texting what she did - it may be seen as unprofessional that you just text to take time off at short notice (unless you normally communicate this way for leave) and what she replied may not have been meant in the context you are taking it - I to would want to know if I am paying for the time etc etc
Yes she has used all her leave but her leave may run Jan-dec and yours april-april (or her partners runs a different way), my husband and I have different systems at work so although he has used all his leave his starts again in Jan whereas mine runs til april.
However when you chose a cm for childcare you know you will have to cover their holidays, sickness, their childrens contagious sickness time and if you had gone sick this week she would have just had to cover - but perhaps could have had unpaid carers leave for sickness eventuality.
I suppose perhaps if this had been a face to face conversation some of the upset would have been removed in that you would have explained self she prob would have asked in a nice way whether you will still be charging for that time/knew anyone could cover.
wanting to tell a parent to get stuffed is not professional and she has every right to ask the question in the same way you have every right to go to the funeral but as not a close relative any business would say take as unpaid leave although as you are self employed you can put what you like in contract and maybe for future contracts these situations need writing in,