How Can You Continue To Ask???

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So I moved to this great little neighborhood. By little I mean that I have 5 neighbors on my street. I know all of them on a first name basis. I don't choose to hang with them, but they love to come and visit at my house. When we moved in earlier this year the weather was still bad, by bad I mean raining. All the time it seemed. Met most of the neighbors right away. I wanted to know the ones, especially with kids, where my daughter wanted to hang out. I'm very leery of just letting her go and not knowing the neighbors. All was fine until Easter, Easter turned out to be a beautiful day. My next door neighbor who I had first met when looking at the house came over. I found out she smokes, a closet smoker (so do I, but not a closet smoker). For the first 2 months she came over when ever it wasn't raining to smoke, not hers mind you. I got the story I only smoke a couple a day. Yeah right, of yours. She would smoke several each evening. I finally, casually said something and the next day a pack was given to me. A couple of weeks later same thing, I mention something and get a pack the next day. I haven't said anything now in months. She smokes approx 2 packs of cigarettes a month of mine. She brings over 1 to 3 cigarettes, in her pocket and smokes those and then when she is out she proceeds to either help her self to my pack when I go in for something or to continue to ask for one. I'm a nice person, not just nice but can't stand to tell someone something that would hurt their feelings. This is the scenario that I told a couple of my friends that don't smoke so they could relate. A friend comes over several nights a week and brings with them a couple of beers, never offering you one. When the friend is done with their beers they move to yours. This to me seems rude. I would think that an intelligent person would think to themselves how, rude, selfish and any other not so nice word you can think of, they are being. From my next door neighbor I borrowed mayo, they had a new jar and gave me that, and I needed some olives and they gave me 2 cans. I replaced both, with the exact same brands that had been given to me. I have given them things also, not full cans or jars but sugar, eggs, milk, butter, ect... I don't expect those things to be replaced as they were small amounts. Now if they came over every other day to borrow 2 eggs I would expect to have it replaced. DO you see where I'm going with this? I dog sat this weekend for them and while going to get the treats down off the top shelf the large glass jar slipped from my hands and shattered all over the floor. After apologizing to the dogs that they would have no treats tonight. I swept up the mess and the next day went to the store and bought a large container (plastic) and a large box of dog treats. I broke it I replaced it. That is the right thing to do. So why can't my neighbor see that smoking a pack of my cigarettes in 2 weeks shouldn't be replaced? I'm beginning to feel used and I don't like the feeling. Things that she has said about previous neighbors and family and friends lead me to believe that if fully confronted it will be awkward around the neighborhood. ( I already have one awkward situation going on here, a discussion for later) I don't want to cause issues, but nor can I continue to support the habit of a full grown adult, who works full time yet never has enough money for cigarettes to smoke. So looking for subtle ways to get my point across with out saying "Stop being a mooch and buy your own." I'm sure that someone has to have a similar situation that can give some much needed advise. You can even use my scenario and substitute whatever and then tell me how you handled it. Thanks in advance for your thoughts and advise. Sorry so long, although those that know me know that I'm not usually at a loss for words.