Lost Administrator rights..Cant change or edit, because it says I dont have admin priv

Help..
I have been spending days trying to get my administrator privilege back.  One day, they just disappeared.  I cant download or add software, because of this.   I have tried every which way, and just when I think I found out why, it still
comes back no admin priv.
This is really limiting me.  Does someone have a remote computer that they could look at this for me?  I am not that good using config, unless I am guided.  I make mistakes, and lose things!
I have tried all options that I could find on line.  no go..
It probably is an easier fix that I think, but I need help now..hate to admit it.
At the moment, I dont have enough money for a service call.  When problems happen, they come in threes.  Need to get a plumber for clogged drains, and my dryer quit.  So, I am hoping there is someone that could help me by remote and fix it.
I could pay something by billpay, but I do not have $200 to have someone come out and look at it.
Thank You for any help you can give me. 
Ann
[email protected]

Don't think so, linking another credit card or buying an itunes giftcard are the only solutions..

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