There's a Sarah Phillips – shopkeeper living at Tudor st Abergavenny 1841 aged 60 (so born about 1781)
Then there's an entry in the 1830 and 1842-44 Pigot's Directory
1842-1844 for Abergavenny for Sarah Phillips shopkeeper Tudor st
Sarah must have been widowed by 1823 – since there is an ad relating to Sarah Phillips auctioning unredeemed pledges from her Abergavenny Pawnbrokers shop - Bristol Mirror 06 September 1823, p.2
See Gwent Record Office Catalogue where there's an 1814 depsoition by Mary Minett servant of Mr Abraham Phillips pawnbroker for theft = Mary Minett, servant to Mr Abraham Phillip s of Abergavenny, pawnbroker, concerning various article s of clothin g that have been stolen. D.1078.88 l8l 4 January 15 Depositions and Examination
I think there was also another daughter - On 1st Nov 1843 Marriage of M C Schletter esq of Birmingham to Helen younger daughter of the late Abraham Phillips esq Abergavenny at Gloucester Villa Regent’s Park in the Bristol Times and Mirror 18 Nov 1843
31 Mar 1835 Sarah Phillips Pawnbroker files for Insolvency to be discharged Perry's Bankrupt Gazette 04 April 1835, p.6
There's no mention of her in relation to Pawnbroking by 1835 when the only references to Panwbrokers were for Nathan Isaacs see Hereford Times 12 December 1835, so maybe he took it over.
Her son Leopold Philips dies 20 July 1847 aged 20 at Margate - reported in Monmouthshire Beacon 31 July 1847, p3 - described as the youngest son of the late Mr Phillips Pawnbroker of Abergavenny,, Says the young man was much respected and sincerely lamented by a large circle of friends and acquantances.
The second daughter of Sarah and Abraham Phillips gets married - 16 Nov 1833 – married at st Mary’s church Abergavenny, by the Rev W Powell, Mr Boulter to Charlotte the second daughter of Sarah Phillips Pawnbroker late of Abergavenny, granddaughter to the late Zaleg Phillips of London, for many years clerk to the Hamburgh Jewish Synagogue of that place. The bride has been brought up in the Jewish faith which she abjured previous to her marriage. In Hereford Times 16 November 1833 , p.3
Sarah dies, as Justin says in 1847,
Sarah wife of late Abraham Phillips Esq of Abergavenny. She died aged 62 in Cockspur street London died on 7 March 1849 reported in Sun (London) 10 Mar 1849, p.8
She left a will (prerogative of Cantebury - online). In this she names a nephew John Morgan of Nantyglo - could be the one that's in the same schedule of one of the censuses.Also names William Watkins, the son of her late brotheralso named William Watkins. So her maiden name must have been WATKINS. Also names a brother Gilbert Watkins and her sister Mary teh wife of George Morgan, Joyce Watkins the widow of her late brother Thomas Watkins, names John ?? Watkins as sole executor and adds in a codicil that she leaves items to her niece Hannah Watkins dughter of her brother Benjamin. There are some other names earlier in the will, which I'm having difficulty seeing online. Sarah Phillips Probate Date 27 Apr 1847
Residence Abergavenny, Monmouthshire, Wales. The codicil was added just a few dies before her death which was apparently in Cockspur street Fulham.
In 1841 there are 3 Phillipses a Rosetta born 1811, a Fanny born and an M phillips - male a watchmaker born 1816 and Fanny born 1821 all born outside of the county
St Martin in the Fields, Middlesex HO107/739 Book: 3 /39 p 1
I looked at Cockspur street on the 1851 census and living there was Harriet and and Rosetta Phillips, born Abergavenny
Can't find them on the 1861 census, but in 1871 they are lodging at Gloucester Grove with a widowed Harriet Lancaster and her sister in law. None of them ahve an occupation. 1871 Census; RG10/53/11 p 14
Rosetta and sister Harriet were living at 31 Cockspur street in 1871 and in 1880 Rosetta died.
http://www.cemeteryscribes.com/getperson.php?personID=I8532&tree=Cemeteries