Open whatever folder your game is stored in (C:etc, etc,\Tales of Androgyny\.toa-data for example), find the text file associated with your save slot (look for the most recently edited file after you save the game, for instance), and open it in notepad or something. Then you can search for things like "food" and "money" (or was it gold? I forget, you should be able to figure it out), and just change the value to whatever you want (I usually go to like 9999, not sure how many digits it's set to accept so I err on the safe side). If you have any talent points/magic points that you haven't spent, they'll show up in there as well, and you can just change the number as desired as well, and the same with your stat points.
Note that there are 2 entries for your character, I assume one of them is the "base value" that you start at, and the other is your "current value" after factoring in actual gameplay/etc. I'm not sure which is which, so I've just been changing both sections, and it doesn't seem to have caused any issues so you're probably fine doing it.
PS, as I'm not a game dev or anything, always do save editing smartly: create a backup of the save file just in case something goes wrong, and/or don't blame me if your save file with 200 hours of play on it gets broken somehow :P