Girl
Readers do not know much about the girl. She is probably a teenager or preteen, as the mother seems very concerned with her becoming a "slut." The mother also instructs the girl about soaking her "little cloths," or sanitary napkins, so the girl is old enough to have begun menstruating. She occasionally tries to protest, but she can't get a word in edgewise.
Mother
The mother in the story wants to give her daughter complete instructions on life. Every topic from laundry to morality is covered in her monologue. At times she isn't very kind in her remarks. Still, the reader gets the impression that she gives her diatribe out of concern for her daughter.