I noticed you're in Daytona Beach. That means Disney is basically a local wedding for you. That makes things a bit easier.
Start pricing out what you plan to do for a regular wedding, then compare it to the Disney wedding. First, you might be surprised. The Disney weddings can be comparable, at least until you start adding all the extras.
Now, or course, since it's a local wedding for you, the room blocks would probably start becoming an issue. A lot of times, you can get help filling those by advertising on the boards. But even so, a big Disney wedding could become a budget problem for you.
So, as some of the others have said, you could consider some alternatives. It depends a lot on what your DF's priorities for the wedding are. An Escape/Intimate wedding is a much cheaper alternative, and the annual pass that comes with it would probably be much more useful to you than most! The downside is you can only have up to 18 guests, depending on the location you choose. But a good way to handle this is to have an intimate, immediate family only ceremony with the included champagne and cake reception afterwards (which is only about 1/2 hour long), and follow that up with your own meal "reception" elsewhere for as many people as you would like. There are a number of good choices at DTD or at the resorts.
Or, as others have suggested, the Swan, the Dolphin, and other DTD resorts do weddings, and usually at much lower prices than the Disney weddings.
And for pictures, well, the only way to get the Magic Kingdom Portrait session is to have a Disney wedding of some sort. But other than that.... I think you'll find there's really nothing stopping you from getting pictures wherever you want around Disney, as long as you don't try to go into the parks themselves. The day of our wedding, I know Misty was a little surprised. She said her experience was that Disney security tended to not like wedding parties taking pictures and such around the outsides of the parks and on the Disney transportation, but they were nothing but friendly and helpful to us. I think there are several keys to that. One, we did not take the entire entourage - it was my DH, me, my MOH (sister), and her husband, plus Misty and her husband (who is also her assistant). So we weren't really blocking anyplace with a huge group of people. We never stopped at one place for TOO long. Me... well, I usually don't quit smiling, and I certainly didn't THAT day!
So I think there was just too much happiness for them to rain on it. And finally, there's the whole "acting like you know exactly what you're doing and like you're completely in charge" factor. My sis and I have been to Disney so much and know it reasonably well, so I knew exactly where I wanted to go, exactly where I was going, and never hesitated for a second. Makes you look like you belong there... like you might even be cast members. Knowing all the rules and following them without being told and knowing exactly where to go without help helps a lot.
Beyond that.... you could always do the ceremony at a church offsite, and do the reception at a DTD hotel. I don't know that doing that would be much cheaper than doing the whole package at DTD though.
Finally.... I don't suppose either of you are members of the military, Department of Defense employees, or either of your parents are military, DoD employees, or retired from either military or DoD are they? If you can answer yes to any of that, you might be able to do a Shades of Green wedding. I know you can if you or DF are members or retired from military or DoD. I think if your parents are either, you could still do it, but that part I'm not sure about. Shades of Green is on Disney property, and is essentially equivalent to a deluxe Disney resort, but it is a military facility. Sort of. It's kind of strange. I'm still not sure exactly how it works. I think it's semi-permanently leased to the government for the military. At any rate, they do weddings too, at a very reasonable rate is my understanding. Someone on the boards has done one there, and it's supposed to be lovely. I'm a DoD employee, and we stayed there a couple of days before the wedding, and the place is REALLY nice. I wanted my wedding at the Wedding Pavilion, so we didn't do the SoG wedding. But we did say that the next time we go to Disney, given the price we pay to stay there, we will SO stay at SoG. It's a luxury resort at the budget resort prices. If you qualify for it, and are interested, just go to shadesofgreen.org.
I hope out of all that, we can give you and your DF a little pixie dust! Believe me, most of us here do understand having to work with a limited budget.
Simply put, she wants to know if we can bring someone to marry us and they marry us anywhere on site. Is this possible? Couldn't we get in trouble for this? I wasn't sure how to respond, so I thought I would just ask here. 
I dont want to make the happy bride 
