Your hero starts with a d4 in each attribute, and has 5 points with which to raise them. Raising an attribute a die type costs 1 point.
You have 15 points for skills. Each die type in a skill costs 1 point up to the linked attribute. Going over the linked attribute costs 2 points per level.
Toughness is equal to 2 plus half Vigor. Go ahead and add the bonus granted by the armor worn on your torso to this value as well for speed's sake, but remember it may not count if attacks target other parts of the body.