I would try to find:

- Quality thin marino wool sweaters from Goodwill or Salvation Army. I recall a post about this and they looked really good.
- Cycling short is cheaper than a bib. Search for sales at Performance, REI, Ebay, craigslist, or other online retailers. Try to stay with a few brands that you know that work for you. Just add a suspender if you like the bib "feel".
- Cheap polypro or wool socks. Recall a post about Target selling Champion polypro white socks in a large bundle. Or get some wool socks at Goodwill or Salvation Army
- Full finger gloves from Home Depot or other hardware store. I liked the black Firm Grip gloves that my wife bought for yard work. I ended up using them on the bike until the finger tip stitching gave way.
- Safety glasses from a hardware store or online to use for riding. I last got a pair of Uvex Genesis for ~$10. They also have replaceable lenses for a few bucks each.
- Cycling shoe sales or specials online. Recently bought a pair of Louis Garmeau Milan shoes with laces from Performance for $50. Some folks liked the dhb shoes for $40 from wiggle.com.
- 3rd party shoe cleats (if available). For example, wiggle.com sells LifeLine Look Keo compatible cleats for ~$8. They don't have the rubber grips but you can use a cleat cover for walking.
- Brake cables in bulk. The cable kits are conveinent but can get expensive.
- Helmet sales or specials online. Recently bought a Giro Revel for a little over $40.
- Cheaper tires. Panaracer Tserv, LifeLine tires on wiggle.com, Michelin Lithion 2, Vittoria Zaffiro Pro, etc.
- Cheaper chain. KMC X10 is my favorite. No need for the SL version.
- Plastic bag for seat cover in the rain. May look a bit ghetto, but there's a reason why all the cycle delivery guys use one on their saddles here in the big bad city. It works.

Tons more options if you search for them. Being here on BF is a great start and gave me most of these ideas I listed above. Many thanks to all the posters here! I salute you!