Welcome to the Board
Howdy Joy: Welcome to the board. There's a thread under Open titled "getting to know you" gives you a chance to meet us and - if you're so inclined tell us something about you.
As for a new bike: Some of the suggestions I've heard, and you'll get more are: try the want ads, police auctions and pawn shops if you don't mind used. You might be able to find a really good bike cheap. There are lots of people here that will have more ideas too. Good luck on the search and let us know how it turns out!
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand, strawberries in the other, body thoroughly used up, totally worn out and screaming: "Yeah Baby! What a Ride!"