Hit all the Goodwill stores in your area. Buy wool and a hardshell jacket. You need warm running/skiing/outdoor gear, not necessarily biking specific clothing. Check out the Electronics,... Lighting forum. The Magicshine has dropped in price. You can get them a lot cheaper than that now. Don't forget Craigslist. You might be able to convince someone in another city to ship you shoes for an extra $5-10. Panniers? Will a back pack do for now? Prioritize your list of purchases and remember to ask Santa for $$ for biking gear!