Take a look at THE BIKE STAND in Scotch Plains. This is a smaller shop but the owner, Steve, has a decent selection of bikes that won't break the bank and you will get personnel attention. He also has a selection of trade ins that are inexpensive and may fit your needs.

This is a smaller shop but the service is the best and he is probably the best mechanic in the area. You won't go wrong.

One piece of advice, do not buy from Target or Walmart, you may save some $$short term but the bike will not last.