Complex sentence: When Selena comes back down stairs with the money, Ginnie insists that Selena keep it and says that she may come over later that afternoon, despite previously suggesting that she already had plans for that evening.
Split into simpler sentences: When Selena comes back down stairs with the money, Ginnie insists that Selena keep it. Ginnie also says she may come over later that afternoon, despite previously suggesting that she already had plans for that evening.