oh snap...
how do you install the file?
You can do this on a stock phone, no rooting or temp-rooting required. Didn't work on Froyo (Crashes), worked on Gingerbread.
Following the instructions on that link above, download the general file to your computer and then transfer it to your SD card by your method of choice... dropbox works...
Uninstall any previous version of Skype (you don't have to uninstall the white colored "Skype for Mobile")
Then I used an installer.. actually I used the app "Installer" available free from the marketplace. Once the file is on your SD card, you click on "settings" from your home screen, "applications", and the checkmark to allow installation of non-market applications.
Then open the "Installer" app, which will automatically search for the Skype 2.0.0.45 apk that you put on your SD card. Click on it, it installs and behaves normally. Side-effect is that Skype will always be on your update list, and you can no longer update from the market. The sound wasn't that great, but I haven't played with it much.... it also only works in landscape.
It is probably prudent to go back and disallow non-market installations in your settings.