I have found a simple solution for GOLD. Just use ArtMoney and search for your gold amount. It should be 2x 8 Bytes integer and 1x 4 Bytes integer. I have no idea which was the neccessary value to change. I just changed all three of them and now I have 10.000 gold. Just filter about 5 times, when you pick up valuable items which alters your gold amount. That should do the trick.
As far as I know you can donate money in a church or something which will give you skill points everytime. But every donation will be more expensive than the last one. But should be no problem, if you add more money by using ArtMoney