Here's a little trick I figured out about the Civilization save file..
If you convert the ammount of money that you have into hexidecimal 
and then reverse the bytes (ex. 1234 becomes 3412 and ABCD becomes 
CDAB), you can find this number in your save file (CIVIL?.SVE) 
somewhere arround offset 135h-150h. Change that number and you're 
all set. 
P.S. The location is different in each save file so you'll have to
hunt for it..
P.S.S. I know it's cheating but it makes it a whole new game...
