Our expert says:
A tomb-stone is desirable, but not compulsory. It can be a nice way to remember someone. But in any properly run cemetary, they should keep proper records of who is buried where, so as to reduce any risk of someone else being buried there by accident.
I don't believe that your dreams mean that your late mom is upset with you, but rather they indicate that you are worried that this might be so.
If you can aford a modest tombstone, go ahead. I don't see why the rest of the family couldn't contribute to that cost. Presumably in the meantime, if you need to save up for it, a temporary marker made of painted wood or suchlike, could be placed there.
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