Do you have an emergency fund in case something happens? (e.g. your car breaks down and you need to spend money to fix it) Don’t book anything further till you have an emergency fund.
If you haven’t saved anything to date, how are you sure you’ll be able to make the lifestyle changes to save even the $7,000? Until you’ve started saving and reliably can put away money each month, again, don’t book. You particularly don’t need to book a DJ this far out. (Heck, I was only engaged 11 months and had plenty of vendors to choose from.)
What are the other DJ quotes you’ve received? $5000 seems **really** high. I found a terrific deal of a good DJ for $600. Do you really need lighting etc?
Are you prepared to pay the rest if your mom doesn’t? Some bees have run into a crisis when family members who promised aid didn’t deliver.
In your budget, remember: gifts for wedding party and family, paper (invitations, stamps, thank yous, programs), accommodations for you, rings, license, officiant, decor (ceremony and reception…flowers are expensive but also things like aisle runners, ribbons, centerpieces, rentals), food, drinks, favors, dress alterations, lingerie, makeup, cake, cake topper….
You can skip some of that, but if you want it – add it to the budget!
We set a budget after some general research about what we could get for X amount. We were fortunate to then receive a lot of that in gifts from our parents. I then worked very hard to stay on budget – researching options, negotiating, DIY and shopping deals/sales. I came in at $25 over a $25,000 budget. I call that pretty darned good! When an item was going to come in over budget (e.g. our rings quite a bit, my dress some, gifts for people), I reassessed what I needed to save on.
Also, build in a 10% contingency.