Hey, Jen!
Well, first, to chart your basal body temperature you really should get a basal thermometer. You can get one at Wal-Mart or Target for under $10. Mine came from Wal-Mart.
As for that 96.1, did you take that the right way? After being asleep for at least three or four hours, and then taking it immediately after waking? Not getting up or even rolling over first? If you did it right, maybe your temps are low! Some people normally have a lower temp than others. It's fine. You're just cool like that. B)
As for CM there are 6 things you could record. I normally check it externally because 1) I am starting to know which kind it is just from the way I feel, and 2) sticking fingers up there *can* disturb things, although since you're TTC, there should be other things up there as well!

So don't really worry about that. The first is dry, then sticky, creamy, watery, eggwhite, spotting, and menses. Here is a page on Fertility Friend that tells you exactly how to determine what to record. Just scroll down to (duh! lol) How To Record Your Cervical Fluid.
http://www.fertilityfriend.com/HelpCenter/...y_signs.html#19
I don't check my own cervix anymore just because (and idk, I might be super sensitive) it got to where I could feel it for a few minutes afterward ... like a rawness or irritation on the cervix itself after touching it, and I really didn't like that. That same page tells you how to do it, under Checking Your Cervix. That is the guide I used to get started.
It doesn't actually cost anything to USE FF, but after your free trial expires, you won't get some of the neat things ... DPO count, Fertility Analyzer, the thing that says whether you've got BD marked often enough close to O to have a good chance, and the Pregnancy Monitor ... that alert that says your chart is officially triphasic.
If having those things is worth it to you, you have to get the VIP Membership (after your 30 days are up) which is, believe it or not, only $45 for a WHOLE YEAR if you buy it that far in advance. There is a chance you might get pregnant, though, and then a whole year would be a waste ... but if you know someone else TTC you could hand the account over to them and have them delete your old cycles. If you don't want to get stuck with a whole year, the other prices are $10 for 30 days and $25 for 90 days. So to me really the year is a no-brainer ... I go for it. If I don't need it, I'm sure I can find someone else here who'd like to use it.

To buy it just click "ORDER" on the left-hand bar and it'll take you to the right page, with all the prices and info on how to pay. If you pay with PayPal or a credit card online, it's almost instantaneous and you can immediately use all the good stuff.
Anyway, here's a comparison chart that says all the things you'll be getting with the VIP Membership.
http://www.fertilityfriend.com/comparison.html
And to start this is pretty much the most comprehensive guide EVER. It answered every single question I had about charting in the beginning.
http://www.fertilityfriend.com/HelpC...ook/index.html
edited to add link to charting guide