I don't know if that will really be conflict, but she will probably not like the news that you have to pay her less. She might say she doesn't want to do it anymore. I can't really imagine that she would get mad at you if you tell her you can't afford what you are paying. You haven't done anything wrong. I think it could be an awkward conversation, but if you are honest with her and tell her that you appreciate what she has done, it will probably go OK. I would have a hard time having this conversation too.