You can save a lot of money by shopping at department stores for basic items like helmets, gloves etc. I find that cycling specific clothing is insanely expensive and generally only bother going expensive with things like shorts. I shop around for wicking athletic shirts at department stores which cost only a fraction of specialised jerseys. They don't have a handy pocket in the rear, but I can chuck stuff in a seat bag. Clipless pedals are nice but aren't necessary and their purchase can be delayed indefinitely. There are some places not to cheap out like shorts, decent tools and a pump but generally you don't need to spend a lot of cash on the extras unless you want to. Have fun riding!