well, it is not too hard for her to figure out that you are seeking some moral suggestion on this forum when you have posted your conversation with her on this forum.  there will not be too many people like you and her ( a married women, a graduate student, i asssumed her as a grad student, and a guy with a professional job, from same city and so on...), so it is not hard for her to figure this out. 

sometimes you compare with money by saying you are saving money and also mention that you help her with so many things like buying medicine, dinner, movies, ). 

again, since she already agreed to turn off her cell phone, the point opening this thread is over. 

i can not imagine she has respect for her husband when she is doing all this with you and at the same time says so many negative things about her husband.  i hope this is just a made up story.  this kind of acts are not acceptable in any society, whether you live in usa or nepal, period.