Need to reset restrictions passcode - backup to iCloud?

[Koofa]

I need help. I apparently set a passcode to the restrictions (had a few incidents with my daughter) and now I'm trying to buy within one of MY apps and I can't because I can't figure out the passcode. How annoying. I'm not a developer & crap, so downloading all that jargon to change the codes within the program and everything to reset it aren't my thing. I know that if I restore in iTunes it'll just do the same thing because I've saved it this way now. I never backup to iCloud so I don't really know how it works, but will iCloud save all my music/apps/pictures/notes/contacts, etc? Does it save passcodes? I'm wondering could I do a factory reset completely and then use my iCloud backup to restore it (hopefully without the passcodes). I need all my stuff, I don't have time to write it all down on paper or whatever and then put it back in my phone, I don't want to lose all my pictures and contacts either, but I need to reset it somehow. Please tell me there's a way to do it without losing everything.

 

[Koofa]

And another thing..

I just thought about this.. but I don't even know how it would work.. if I had to restore my phone to the factory settings - then I'd have to re-download the app I need (not a problem) - but then I'd have to pay for the in-app purchases for it.. then AFTER that, I'd need to try to restore everything else (texts/notes/photos, etc.) - wouldn't that just delete the app and waste the $$$ I just spent on it? (It's a free app - VSCO cam).