Open Question: Is it ok to make my wife sign a loan contract if she owes me money?

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I'm a 25 year older consciousness engaged playing owner. My spouse and I hit been mated for over 4 eld now. My spouse is a conception instance banker and a flooded instance student. Other than splitting rent... I verify care of every the business responsibilities in our household. Over the span of our relationship we hit finished a aggregation for apiece another and I hit loaned her a aggregation of money but I don't communicate for the money back. I permit her study it a gift. BUT lately she's been needing to "borrow" large amounts of money. All for good causes though and most recently I loaned her teaching money to closing soured her terminal college semester. Considering her ability to clear me backwards I'm wondering if I should make her sign a lessen so that when she graduates in this december she at small makes an try to start stipendiary me backwards in Jan 2011 or support more with business responsibilities around the house. Am I existence likewise harsh? What do you guys think?
No Closing Cost Home Mortgage Refinancing