I guess it depends on what is most important. The marriage or the wedding. I know that the wedding was important to me and I wanted to do it the way I wanted it. So we waited until we could. You can always just get married without a new dress or rings and then have a ceremony later with all the bells and whistles you want. That's how my bil did it.
I'm sorry this is even an issue for you...it shouldn't have to be.

weddings are way too expensive.