Does Save editor not work for adding Swirlies?
For rpgmaker games I use RpgMakerSaveEdit (available here on f95). If that's what you're talking about when you say save editor, then you have a bit of work to do.
You have to copy the savegame OUT of the save folder and into the main game folder. Then open it in rpgmakersaveedit, select Advanced, then edit switches & variables.
Then, go to Variables and look for Swirlies. Editing Gold on the party tab seems hit or miss, but its more reliable to edit it under variables.
AFTER you've made your changes and saved it, you have to then MOVE the savegames back into their proper save folder. If you go to edit ANY game and find that you can't modify items, try the same routine. It won't always work, but I've had good luck so far.