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MassahaAllah You are doing really well i am also a Muslim and I can understand your intentions for your mother and for your religious activities. Hajj is the most important thing we all Muslims have to perform in our whole life once only if we can afford to perform it. Other than that those who can not afford to perform hajj due to their financial instability so there will be no problem for them but we should focus on making ourselves financially stable.
As we all know that we can not Perform Hajj or Umrah if we are not financially stable so it is very important to focus on making ourselves financially stable so it is very important to focus on our financial profile first so that we can perform our religious activity easily.