Hi Kitsune & Eden!
Thanks for your input -- I appreciate it very much.
I know for sure that it's not the saddle.
When I'm off the bike, I lift it & turn the pedals forward, the chirping & squealing noise is coming right from where the pedals are. Only makes noise when I'm pedaling. (noise doesn't seem to be from the pedals).
There's a couple of shops open tomorrow, but I really hope that it's nothing too serious....... Another beautiful day and we want to go ride.
Have a great rest of the night everyone.
Denise