Jenny's (possibly dodgy) advice column: When should I get married?
My answer. You should just get married. You will never, ever feel like you have 'enough' money. No one (generally) feels that they have hit a point in life where they have enough.
There are bigger issues about getting married than having enough money. Truly. A big wedding and mortgage do not determine the quality of a great relationship.
Like, do you trust the person? Do you like them? Are they your best friend? Do you laugh together? Do you feel like you can commit to the person? Do you feel like you have lots in common that will sustain you through your life? Do you share things that you feel passionate about? Do you feel like they are going to be FOR you, whatever comes? Have you been honest? Had a fight? Resolved conflict?
If it's looking good, then don't let money stop a good relationship moving forward. We've never had lots of money, so we wouldn't be here 18 years later if we had waited until we had 'enough' money. And we wouldn't have had 18 years of enjoying our life and family together.
Wedding BBQ in the backyard I say people - go for it!
PS Oh and with the money you do have, spend it on marriage preparation - don't worry about the photographer. You only look at the one photo on your mantelpiece and the rest of them sit in the album for most of their life.