Final answer:
Mrs. Moreno's decision at the end of the story is to encourage Yollie to make her own money.
Step-by-step explanation:
Mrs. Moreno's decision at the end of the story is option a) she tells Yollie she has to make her own money. Mrs. Moreno's statement 'Thank Heaven, any clothes look well on me, and so Torvald has never noticed it.' suggests that she has been saving money by not spending it on expensive clothes. This indicates that she wants Yollie to be independent and responsible for her own financial well-being.