Is it permissible to take the cost of Hajj and Umrah from the deceased's money that was bequeathed as ongoing charity, knowing that I performed them on her behalf from Saudi Arabia and not from Egypt, and that I am in need of the money?

What your deceased sister requested concerning Hajj and Umrah on her behalf is valid and shall be executed from one-third of her estate. Any amount exceeding the customary cost of Hajj in Saudi Arabia is not included in the bequest. If the adult, sane heirs permit taking the cost of Hajj and Umrah as if you had traveled from Egypt, then you may take what they have allowed. However, if there are minors or incapacitated individuals among the heirs, you are not permitted to take their share of this excess amount.