Hi Kelcan!

I would look into layaway at a bike shop. I've bought all my bikes this way-- I wound up with something reliable, AWESOME, and it didn't break my monthly budget ever. A lot of bike shops have layaway programs. Look into it!

As for bike clothes... I think you could wear almost anything to start, as long as it's not a road bike or anything. Just roll up the right pant leg! I rode in whatever for two decades before I decided to get a road bike and start investing in dedicated bike clothes.

You will do great!