All I understand from your post that is you don't know what is happening with you this moment. You say she is guilty she is bad, but than you say she is good and you love but you don't want her wasting time with you. Did you asked her about her feelings and plans? Have you ever discussed your future? How can you decide something for the other person?
Do you really love? Loved?
May be the reason of your action is not that she is wasting time with you, but you is wasting time with her?
Be upfront about yourself and be upfront about the others. If you fall in love with the other person tell her, if you don't want to meet with her any more because you don't like her any more - tell her. Silence is the most painful thing in the life.

Just imaging what she can feel and what she can think about it - tried? So I can tell you that you can't be sure about it because nobody knows what the other thinks and feels until you ask them about it.

If you suffer then speaking with her,