Is my friend being a jerk?

We recently got a new boat. My best friend’s husband works at a Marina and told my husband that his friends would pull the boat out of the water for a six pack and that he would help him paint the bottom of the boat b/c he can get the paint for free. We thought it was really nice of him, he even did it on his birthday and said he had a lot of fun doing it. My husband bought him a case of beer (and helped him do it) and was planning on doing more for him later. My BF asks me several days later if my husband had paid hers. I told her no payment had ever been discussed, but I’d ask. My husband thought they were doing it as two buddies, one buddy who desperately wanted to be included on boat rides and fishing trips. She told me her husband had told her he was doing it for a permanent spot on the boat and hadn’t thought about money. She told him that they needed money more than boat rides and told me so. I asked her how much she wanted, she said $75 and the told me what a great deal that was because it was usually several hundred and we had gotten the paint for free. I happen to know she is going to Sea World this weekend and can’t afford to go. I basically feel like she needed $ and decided she could get it from me. I also asked if they wanted to watch our house for a weekend (we live in a big, nice house. Theirs is 550 sq ft for a family of four). She said yes but later told me she was worried about groceries. I think she is hinting I should be paying for her to watch the house (I don’t care if they watch it or not, we have other friends that would love to). What is the deal here? Am I too sensitive? I feel like she is taking advantage for every penny she can. I also feel like she should have let the boat thing remain between out husbands. We were very embarrassed. She also watches my son 3 days a week for $100 a week. She had originally thought that was too much and thought she should do four days, but I told her since she drops him off and picks him up and if she would be willing to do four days or extra hours here or there it would be fine. Now she will only watch him 3 days for the exact amount of hours and sometimes tries to tell me that the $100 will cover her gas for the week (bull). Is she just a jerk?