I know how hard it can be to pay for a wedding on your own.
I have been married for 3 months today now. (Yay!)
Our wedding was done on a mega tight budget. This included rings, food, honeymoon, photographer - the lot.
We saved heaps of money by making nearly everything ourselves and by having a Friday morning ceremony followed by a Champange Brunch. People didn't consume too much alcohol at 8:30am, which kept costs down.
Later that night we went into the City and danced the night away with our mates in a bar. Awesome fun!
As for your photographer - I was able to convince a very reputable photographer to make me a package.
2.5hours, 100 prints, one location and at a great rate - no album though.
I also had a friend follow me around on the day taking photos on a digital camera. She had never really used a camera before, but out of the 300 images she took (on a borrowed camera) we got 83 awesome pictures!
The only thing I can reccomend is to a) explain your situation to the photographers you see if someone is willing to help and b) get the assistance of a friend.
Good Luck. It is a stressful time doing a wedding on a budget, but it is worth it.