So I think this is a very good example of how someone, who wants to run their own server and Moodle, needs to learn how to make sure that moodledata is in the correct place. If not, one needs to learn how to move it, and how to edit config.php to make sure the moodledata folder is in the correct place, with the correct "rights".
I have found that the best way to assure that this happens is to pay attention to the dialog boxes that present themselves during the initial install of moodle, since the install will ask these questions. This is also one of the problems with one-click installs, they think they know how to install moodle on their own, and then do it incorrectly.
I am not sure where Wendi is overall, if she did a one-click install, if she is the administrator, and her overall comfort with these computer related issues, but it's good to know that there are people like you who are patient and want to help.