Urist wanders into a street bazaar where his looks and smell wouldn't stand out as much. He buys a few cakes of soap from a traveling soap merchant who is able to give him some change.
He finds a travelling dwarf caravan and trades for several sets of fresh clean clothes along with a basic dwarvern toolbox with a hand hatchet hammers, chisels, screws and some spare stone mechanisms. He shops for other gambling paraphernalia and picks up a deck of cards.
Then he rents a room in a middle-class Inn and pays a whole gold coin for a month's rent. At least his family and him will be safe and clean for that price. Decently dressed and cleaned, he converts the rest of his money to more usable silver.
Transactions:
Soap Cakes - for hygienic uses rather than construction. (2 silver for 10)
Clean Fitting Dwarf Shirts, trousers socks and undies for self and family (4 silver x3 persons = -12 Silver)
A Dwarvern waistcoat and fancy suit (-10 silver)
A set of decent dwarf tools with 20 spare mechanisms (-10 silver)
A room in a middle-class Inn, 1 month's rent. (-100 silver)
A deck of playing cards with pictures of Kings, Queens, Knights, Pages and Trumps (-5 Silver)
A wheel of local cheese for dinner (-1 silver)
A whole barrel of superior craft soft-wheat beer, for personal use of course. (-10 silver)
Inventory:
250 Silver Coins
Fairly fancy Bourgeois clothes
A months rental for a middle-class inn room.
Dwarf Tools
20 stone mechanisms
A deck of playing cards (can be used as either a 78 or 52 card playing deck)
Masterwork Dice (As many as there needs to be. They also have a peculiar quality of manifesting as many sides as one wants there to be.)
Superior Soft-wheat beer barrel (27/30) (yes, dwarf babies run on beer.)
Statuses
Well fed.
Well Drunk and full of vigor.
Bathed. With soap and beer.