Isn't that the point though - she couldn't really afford it because it left her with no money? Then the friend called her spoilt because she spent all her money and went hinting to her husband - who got it for her.
Definition of spoiled:
- Damaged or Decayed (Food/Objects)
When applied to perishable items, "spoiled" (or "spoilt" in British English) means the item has decayed, soured, or become unfit for consumption.
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Example: “Don’t drink that milk, it's already spoiled.”
It can also refer to things, plans, or documents that have been ruined or made unusable.
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Example: “The heavy rain spoiled our plans for a picnic.”
- Pampered or Over-Indulged (People)
When referring to a person, being spoiled implies they have been treated so well—often given everything they want or allowed unrestrained freedom—that they develop an entitled, selfish, or unpleasant disposition.
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Example: “Because his parents gave in to his every demand, he grew up to be a completely spoiled child.”
- Being Well-Treated
Conversely, this term can also be used affectionately to describe someone who is being pampered, indulged, or treated exceptionally well.
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Example: “On my birthday, my partner really spoiled me with gifts and a fancy dinner.”
-- I think 2 and definitely 3 fit