Can anyone help explain who would come to talk to me (while I was unaware she was talking to me) about life and what it means ?? Things that were I feel personal or directed towards me. Would this be my spirit guide or an earth angel ? Someone wanting to connect somehow, that I missed ?? Not sure what the meaning was ??

There no way of knowing who that was, its for you to figure out... my personal opinion is that it could be an ancestor.

I have had the same experience, well having.In my case it is a he with a VERY strong personality.
If they were a person trying to connect they would have made you more aware of their presence i.e. they would give you a feeling of who they were like perfume or a place etc..
If she started talking to you as random thoughts that you assumed were you own then it is probabbly your guardian spirit/spirit guide.The best way to find out is to ask her if she's still talking to you.If she is anything like mine she will probably be reluctant to tell you some things.He's been in my head for months and still hasn't given me a name.He either says I know it or I'll figure it out in time.
Just give it time.You'll figure it out for sure in a little while.She might even tell you.Just don't stress out.Its not good for either of you.

The easiest method of communication is to give it a time, place and space for meeting.  Be consistent and regular in your approach.  Using meditation as your tool, open the mind through meditation and set up symbols and direct connection with your own personal guide that preclude any other random connection.  

When things happen in the head randomly it is best to test the spirit approach.  It may be many things, there are methods to decide the source of the information.

Thanks everyone for your feedback and comments, much appreciated.

I did have a specific place and it was the neighbourhood and the original park where I experienced the first encounter. I would go for walks at night (roughly around the same time) and see her around but she wouldn’t speak directly to me again like the first time. In the park I did try to connect when I finally realized she was talking to me but she called her dog and said she knew nobody here.....

There was definitely something mystical and more, that attracted me to her presence ....

This occurred for about 4 months where I would see her somewhere in the neighbourhood and feel some kind of connection once or twice a week. I have recently moved from the area and never truly found out what it all meant. It seemed she knew when I would be coming around ...

Thanks again for your comments !