You are a poor beggar in Whiterun, and found yourself in major doody.
Do you have what it takes to survive?
What will you do?
-Survivor?
-Worker?
-Adventurer?
-Thief?
-A stinky smelly beggar?

Just place the text file into your Skyrim directory.
Start the game.
Open the Console.
Type: Bat beggarBAT
Hit enter...

You're poor now.

If you do not like the alterations to the Health(50), Stamina (50), or Magicka (0, what beggar uses magic, eh?), then feel free to alter to your liking.

Enjoy!