Are you in UK? Australlia? Whatever, DO NOT UNINSTALL or REINSTALL Money 2005 until you have taken certain steps. The steps include making a reliable copy of a certain folder.
Disconnect from the Internet. Start Money, and log in offline. Remove your LiveID. If you already changed your
LiveID, use the credentials that were in effect at the time that you saved that Money file.
To remove the Live ID, go to File-PasswordManager, and choose to
remove your LiveID. To remove or add a conventional password, also
see File->PasswordManager.
Any better? Let's address the rest of your problem too, even if you don't know you have a problem.