Hi Kerry
Just a bit of an update, I think I have found the marriage of Elizabeth Freeman.
From Free BMD I found the birth of Elizabeth Harriet Freeman June qtr 1882 Amersham, who seems to be the likely candidate for your Elizabeth.
Free BMD has a marriage for Elizabeth Harriet Freeman March qtr 1907 Amersham to either Henry James Goodey or Ernest Owen Payne. I had a look for births on both names with mothers maiden name Freeman & the result was, Reginald G Payne Sep qtr 1911 Amersham & Cecil Payne Dec qtr 1913 Amersham.
So, it looks like she married Ernest Owen Payne. Incidentally there is a death for Reginald G Payne June qtr 1913 Amersham, aged 1.
Unless Ernest Payne died & Elizabeth remarried, looks as if Mrs E Waring probably isn't her.
I'm still trying to find a marriage for Ethel but not having much luck up till 1921.
I'll keep looking.

Maddie