This is correct. Sorry if my post was unclear. Just make the character you want to edit, open the save game directory from the game with the ingame button in the menu and edit it in the notepad. Take a backup of the file if it does not work the first time.
Step by step:
Create character and save. Enchanter is the class used here, other classes may have some values missing.
Open save file location from within the game with the new savegame button in the save folder. Backup the file in case it does not work the first time.
Open the .json file in notepad. Verify its the correct file by your characters name.
Then edit the stats, just scroll until you find them, note that these are already edited numbers:
View attachment 1534149
Then alter skill, magic, perk points and money:
View attachment 1534151
Save the changes, close the file and load the save, check to see if stats and points are as you added them in. If it didn't work just make a new char, try again and you will figure it out! Oh, and keep cheat mode on in the options menu so you dont have to worry about food.