Ok, I ride year round so I need lights off and on, depending on when I go to work and when I get home. I have been working from 6:30 am to 9:00 pm lately so lights are ocassionally needed but in winter are imperative.
Dont want to break the bank? Go to amazon.com I got a set of 5 red blinky lights with tube or velcro mounts so you can mount on bike and yourself, also was able to get spoke lights really inexpensive too and found they are really bright and make you side visible. Next hit the local Home Depot for headlamps. A set of 4 was I think 10.00 and I was able to mount on my helmet both front and back by threading through vent holes. Bell makes a great front headlight for under 20.00 check your local kmart or Target. And while some neon clothing can be pricey look for arm warmers. A less expensive way to be seen.
Good luck