Honestly Kitty, I would suggest that you just go ahead and start working with what you have and not worry about buying anything else at this time. You have plenty of things to get started and create a perfectly wonderful album with. As you get more and more into scrapbooking you will realize what you wish you also had and then can get more.
Certainly we all want to have everything-- all the latest gadgets and gizmos, but until you actually get your hands in there and put some pages together you won't know what your prefered style is, your prefered way of working and what sort of things you like and don't like. You could spend hundreds or thousands of dollars on a whole lot of things you will never ever use.
As you meet other scrappers and talk to them and borrow their products and try them out you will realize what you like and don't like also. I have tried products that other scrappers love but I didn't. Friends may swear by one type of thing but I prefer another. That is one thing I love about scrapping, one size doesn't fit all and we can all be our own person, but we all get along!
As an example. I did get a Cricut earlier this year and love it, but only have one Cartridge. ( I have borrowed from a friend a few times) I was ready to buy a bunch more carts, and was trying to figure out what I really wanted. But then I looked into it more, talked to others and realized that I would rather have the software that will allow me to use the fonts that I already have on my computer--I have nearly 1000 fonts that I have downloaded over the years. If I had just rushed out and bought what I "thought" I wanted I would have a bunch of Cricut Cartridges that I probably would have realized months later I had no need for.