I don't know why I believed Margaret's birth to be 1894, I think it seemed logical as that would fit the marriage age and a death. However, there are two other death records on FreeBMD that give a Margaret Bayley's (née Whelan) birth as 1889 and 1897. Another on Ancestry states a death in 1948, but unfortunately I cannot look at the birth. These are from Crewe, as I know this is where she died, and I know she is from Ireland, but it's a very broad range of births.
Are you just looking at vital records and assuming that on or any might be the correct Margaret Whelan?