I'm very new to bicycling (used to ride when I was a kid, 15+ years ago, haven't since then, but have enjoyed immensely the few rides I've taken since buying my current bike). I'm very short, but also very overweight (5'0" and 230 lbs.) and frankly I'm sort of proud of myself for even getting on the bike, much less actually riding it.

I have basically no money to spend on this (maybe $100.00 more). I have:

24" Murray Mt. Climber bike (bought for $30.00 off Craigslist) (got it checked out at the LBS, they adjusted some things and put a steel wheel on the back -- that all cost about $100.00).

I bought a helmet, of course, and a water bottle/cage, although so far I can't ride far enough to really need to carry much with me. I can only ride a couple miles so far, I'm embarrassed to admit.

I ride mostly on pavement, although my street is gravel. I do ride on streets/roads with some traffic, so I'm thinking rearview mirrors and lights/reflectors (don't currently have any) might be important.

I don't think I can afford any fancy/specialized clothing yet. Would some simple fleece or cotton pants work for the colder weather that's coming?

Anything else?