Ive never wanted to cry and pull my hair out the way I do now! My blog has almost been down for a full 24 hours! I wish I'd stayed with wordpress.com, now, but that's a totally different subject.
Thank you so much for your help, Inspired2Write. I do believe due to your prompting, I will learn how to do this ... yet. I found out I do have a FTP with my bluehost, but it's all still very GREEK and GEEK to me. Right now, my password isn't going through w/the download of my FTP, so I'm re-reading through the instructions. I don't like doing this AT ALL, and think WordPress is waaay too complex for me. I really wish I'd stayed w/blogger. It was waaaay simplier. I'm really tempted to just go somewhere else... What has happened to the days when one can get on the phone and call for help. Especially when money is being spent!
I plan on recommending to others not to do this self-host mess, just get your own domain name. Period. My entire day has been stifled and I still am no where near figuring this mess out!
Sorry, I really don't mean to unload on you, but I choose WordPress thinking they were top-notch and I haven't found that to be so at all. All I've had was one hard problem to tackle after the next when it wasn't all that bad, now, looking, with Blogger. Maybe WordPress is more for the Geekey people who like such challenges. I'm not one of them, though.
Again, thank you very much for your help and leading me in the right direction.