She will not allow me nor anyone else to be in her house for very long. She refuses to move into assisted living. I worry about her cooking for herself. I try to go visit her a couple times a week. I call her twice or more times a day.
She is very independent.
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I agree that it may take a few good chats to illuminate what help is needed. Next comes how best to implicate that help.
If dealing with truly unreasonable people, who lack insight or judgement, you may have to work behind the scenes, but the OP's Mother may be quite reasonable yet - I'll wait for an update.
If her main goal is 'staying home' or 'doing it all herself' try finding out the whys behind this.
Being with her things?
Not being bossed around by others, told what to eat & when to wash 'institution-style'?
Many older people picture 'Nursing Homes' as dark, dire old 'mad houses'.
But some assisted living are more like cruise ships or hotels.. although short staffing & Covid has taken a large toll on quality & care 😥.
Accepting home help services helps many to stay in their home longer. The person gets to stay amongst their things & continue their own routines. It is a trade off.. a little more help/safety for a little less privacy.
While you are visiting, it wouldn't hurt to keep your eyes open.
Any scam calls or mail getting through? Scorched pots in the kitchen? Food past use by dates? No evidence of proper meals, just tea & biscuits? Unsafe walking on stairs or holding furniture? Heating up sky high? Or not on when it should be? Wearing multiple layers of clothes instead of remembering how the heater works? No bathing taking place?
What services may be useful will depend on what she is starting to struggle with.
Meal delivery service is a good starter.
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She refuses to move into assisted living - who asked, why, in what way, and to what facility?
I worry about her cooking for herself - why?
What sort of signs are showing you that she is becoming "a little forgetful"?
We have a lady of a similar age who has just ended service with us who is *fine.* She is amazing. She shares her food preparation areas with her cat, which makes my hair stand on end and turns my stomach, but she has been doing that for twenty years and it hasn't done her any harm yet.
We have a lady ten years younger who doesn't want us to end service, is perfectly capable of preparing her own meals, but feels she can't cope. She isn't fine. We're working on building her confidence; I privately suspect that she wants to move into a facility but doesn't want to admit it to her family.
The point is that at this stage the thing to do is explore your mother's wishes, worries and priorities, then promote her safety and wellbeing within those constraints. Don't tell her what to do. If she's finding any particular task or routine difficult, ask her what help she'd like with it.