Since you have your savegame files backed up, it might be time to completely uninstall Virtual Families (either from the Control Panel - Add and Remove Programs or from the uninst icon in the game's folder in Program Files), and then reinstall it from your primary user account. Something has gotten messed up while you were trying to set it up in the other user account, and it's very difficult to determine what is wrong unless I can actually see your computer (which I can't).

You will be able to restore your savegame files if something bad happens during the install/reinstall process, so you don't have to worry about that.