I set an iPhone restrictions password on my phone, but forgot it?

My younger nephew was borrowing my phone for the week, so I turned restrictions on. But, I forgot the password. I have 9 failed attempts, what happens if I get to 10? I know the phone will be wiped, but does that mean everything will be put to factory settings, or that I can't use my phone at all, or I won't be able to guess the password anymore?

Sidenote- Non-jail broken iPhone 3GS, iOS 6.0.1. And I don't own a computer and I can't restore it from one anyway.

You will either have to now reset and wipe it clean, or take it to an apple store and maybe they can help you.