Good advice here. I agree 100% on the shorts advice...get yourself a good pair. I like Pearl Izumi myself. Tops are not as critical, although I would suggest high visibility colors.

Often you can find last year's shorts and jerseys on discount websites like Sierra Trading Post. They have these good basic PI shorts on sale for $35.99:

http://www.sierratradingpost.com/p/2...For-Women.html