Cannot save from lack of permissions

Question

None of my work processing programs...bean, scrivener, textedit....can save files anymore.
the error say cannot save due to lack of permissions to write file.
I've tried reinstalling the programs, repairing disk permissions, rebooting without avail.
Existing files save fine and I can add new data but I can't make new file saves.

Answer 1

for desktop :originally it was user with read/write and everyone with no access
now i changed it to
admin and everyone with read/write but still no change.....
Your Desktop permissions were correct to begin with, but the change probably did no harm.
for HD it is now user/everyone/admin read/write
Do you mean you changed this to make your username the owner? It's a mistake to change the ownership or permissions of a startup disk.
The permissions on a startup disk should be
system - Read and Write
admin - Read and Write
everyone - Read only
If you change the ownership or permissions of a startup HD it could result in the system being unable to boot. Even worse, if you use the "Apply to enclosed Items" feature on any system-created folder you could irreversibly damage the OS. In general, changing the permissions on anything outside your home folder without knowing exactly what you are doing can make a bad situation worse.
At this point I would again Repair Permissions with Disk Utility. Check and report the HD permissions again after doing this.
What is your backup situation?