Hi
I think the answer is her mother - Margaret born c.1862 She appears in 1871 and 1881 with 'parents Thomas Neaves and Fanny/Pheobe. She appears, however, to have married as Margaret Neaves Hodges and there is a corresponding birth for her, again as Margaret Neaves Hodges in 1862.
Births Sep 1862
HODGES Margaret Neaves Blean 2a 569
I would therefore guess that she was Pheobe/Fanny's child by Thomas Neaves, but born before she married him. I am guessing that Pheobe was Phoebe Hodges when she and Thomas married.
There is a widowed Phebe Hodges in 1861 with correcponding dates and places of birth to the one later shown as married to Thomas
Phoebe Hodges 1825 Bradbourne, Kent, Head Widow
Ann Hodges 1852 Herne Bay, Kent, Daughter
Edwin Hodges 1854 Herne, Kent, Son
John Coombs 1828 Herne, Kent, Lodger
Thomas Fright 1803 Chislet, Kent, Lodger
RG9/523 fol 49 page 14
Margaret then had Ellen Annie (while she was unmarried), and she got her mothers real name 'Hodges', which she used again when she married Nathaniel (who by the way is definitely SMITH on 1891 census)
Hope I have explained this OK - Margaret was never married to a Hodges - she WAS a Hodges.
As for Nathaniel Smith and Thomas Neaves - well I haven't been able to find either of these before they are married to their respective spouses - so thats another story
ec