Wow, sort of the same problem here too!
We've been going to the same lady for at least 10 years, maybe longer. Lately she is very hard to get in touch with, sometimes doesn't return calls until you call her about 3 times. At times I almost think she is trying to "annoy" her customers away because with her daughter and a busy schedule, she doesn't want to work as much.
Her hours are, well...whenever she decides she wants to work. Some late morning, early afternoon, occasional evenings but not until after 5:30, and now SOMETIMES on Saturday.
I'd be fine with that, if she was upfront about it. On the other hand I have really fine thin hair and my husband has very thick hard to cut hair...and she does a good job. Her coloring prices include the haircut also, which most salons don't around here.
When I go in the next time for highlights, I may just ask her if she wants to stop working soon or something- in a nice way of course.
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Now to answer the original posters question...I say either explain the family connections, and she should understand (if tables were turned, I'd think she might do the same thing). I guess you know her personality the best, so you know whether she might be ok with doing your husbands hair but not yours.