A savings account is for savings and most people (at least I don't) don't take money out of their savings for petty things like hair care. Sounds like she didn't realize you were in financial strain at first(could be wrong), but when she did, offered you money from a savings account to help you out of a jam. What is kinda whacky is the fact she expects you to pay her back. You should take that as an opportunity discuss merging your savings into a mutual savings or ira account, and work as a unit instead of individuals. That is, if you are sure you are spending the rest of your life with her.