No, I have not downloaded an ftp client yet. (I'll look at that "Filezilla" when I do.) Yes I called BlueHost and was informed the ftp had been automatically set up and, as you said mistletoad, I do not need to create another.
I don't think I tried my bluehost password as the admin login for wordpress/mojomarketing because I never clicked on the "admin button". I did get an email from Wordpress telling me what "user name" to use and telling me to use the same password as I did to set the Wordpress account up, which I think I know but am not sure. (I only remember setting up two passwords, one was for my main cPanel; so I guess the other was for WordPress; however, I've seen 3 sites (FTP, MOJO & WordPress) telling me I had an account with them that I did not set up that I'm quite confused.)
Apparently, upon purchasing an account with BlueHost, I winded up with an FTP account as well. That makes two accounts. Then it seems I somehow got a MOJO account...have no idea how...and then when I attempted to get WordPress, I was given an account for that as well.
I wanted WordPress so I have attempted to get that installed, and the installation process was never ending; so after a full 10+ minutes of its downloading, I closed the window and sent an email to MOJO (another account I didn't know I had that apparently has come with my BlueHost account) asking for help. A "Nick" from MOJO told me what to do; so I did that, which turned out to be the very same process I had done before, i.e. with the installation continuing indefinately. Then I decided to click on the "my installs" button to see if either of those actually completed and discovered I now have WordPress installed two times...yes twice. I clicked to uninstall one of them and got the message it would be a "permanent" uninstall; so not knowing if that perment uninstall would take only one of those off or take them both off, I stopped there and did not uninstall. So I now have WordPress as an installation twice.
I am feeling completely overwhelmed. Seems getting a site hosted by BlueHost has come with a lot to do before I can even start creating it.

Apparently I have a web page to build at BlueHost and I have a "site" (store front) to "activate" at MOJO and I have a site at WordPress to work on.
I don't understand how purchasing only one site from BlueHost could turn into 3 sites I have to work with. I am feeling so very overwhelmed.