teach by precept and example
Sometimes education needs words and deeds, and even some good methods should be taken. At least, if she can't find the money, she will tell you when she needs it. In addition, she will gradually get into the habit of telling adults when she takes money.
Threshold adjustment
Generally speaking, the threshold for you to give her money is too low for anyone.
Think more.
After a long time, you put the money back, and when she wants to take it again, she will think twice and tell you.