Hello Rhil! sorry for my english .
if you do not trust your Russian girl and does not want to send her a large sum of money , to keep in mind that in order to obtain any type of visa -with your invitation or a tourist visa - your girl should show in your embassy presence of a large sum of money to a bank account and she will not get a visa without having health insurance. if your girl wants a tourist visa - it will not get it without tickets and hotel booking. it acts on the EU countries as well.