You do NOT need to sacrifice anything. Just wait until you have access to the bank/loan, take the loan, then buy the item(s) you haven't already purchased. If you buy stuff as soon as the option opens it will be delivered in time for you to give it (before (EVIL Scum) Eric).NGL I am ready to sacrifice one of them for the online bank.
One of the items CAN be purchased before the bank opens, so if you want to advance one of them early you can. Of course, if you want to do the full 'Friend' path then it doesn't matter, because you don't need to buy/give the clothes.
Hope that helps.