In the tutorial episode, 'It all began', when you need to buy furniture, you just need one piece! Buy the shower. All the other urgencies can be handled for free!

Hunger and Thirst: Go to the saloon.
Toilet: Go to the Ice Caves.
Comfort: Frankie Fusilli's house has a couch.
Tired: Go in the casino and head through the left wall path. There should be a bed.

Note:You don't really need the shower - the Ice Caves has a sink, which works for the hygiene erosion too. Howeverz, the sink doesn't fill up the meter as much, and I think the shower is the cheapest item at the shop, so I would still go with the shower.