https://f95zone.to/threads/lonarpg-v0-4-5-0-eccma417.49993/post-3454872 here’s a guide.
And you are talking not exactly about money, this is barter points. Basically everything can be converted into them by selling items (including coins) and yeah they disappear if you go to sleep or leave building without buying anything. So you need to learn how manage resources, its not that hard you just need to understand how game works.
There’s is perfect working cheats inside the game, so you don’t need save editor to make money by cheating. There’s perfectly working cheat code for that described in ZedTed guide, so you don’t need to waste your time on save editor with save editor.