Talk to her, tell her about your worries.
Realistically, hormones shouldn't be expensive. Especially if you get them legally, but even if you get them off black market, they are still quite cheap...
Makeup, hair, clothes, it's XXI century guys, there's just so much choice, so many brands, you can find affordable, good make-up products, skincare, haircare and clothing, for literally couple of bucks. It's all about doing your research, going out there, looking for whatever you like and being pro-active.
Facials? Well, once in a while it's good to have a bit of indulgence, but facials are not a cornerstone of one's transition lol
There comes a point where some people feel kind of complete, I hope your gf achieves that really soon.
Take care, xx