Ok no worries, let's walk through the FTP password reset option. To make things easier we're going to try to update the file via your cPanel file manager rather than through an FTP client.
1.) You need to find your cPanel details (often the same as your FTP details). These would have been provided to you by your web host when you first signed up, often in a welcome email of some sort. It is a username/password that lets you access your cPanel, which is an admin area where you can manage your website and other web services (eg stats, email addresses, databases).
2.)Go to yoursite.com/cpanel and enter your username/password to log in.
3.) Once logged in, find 'File Manager' and click on it. It will ask you which directory you want to open, select 'web root'
4.) The file manager will open and list all the files that make up your website. Click on the wp-content directory > themes > and open your active theme folder. Locate the file called 'functions.php' and double click it to download it to your PC.
5.) On your PC open functions.php in a plain text editor (such as notepad) *You must only edit it in a plain text editor - don't even think about opening it with MS Word....*
6.) Add this code to functions.php, right at the beginning, after the first <?php:
7.) Save function.php, then re-upload it to the file manager, overwriting the old version.
8.) Now re-load your website login page, and login with
You should now be able to log in to the site successfully.
9.) Once logged in, you need to make sure to go back and remove that code from functions.php. It will reset your password on every page load until you do.
10.) Your done. You can now go to the users area within the WP admin and reset your password to whatever you want.
If this doesn't work or if you can't get it done for any reason, I would recommend that you contact a WordPress web developer with your FTP/cPanel details and ask for their assistance.
Hope it works for you though!