You need anti-virus
and a firewall at least. The built-in Windows firewall isn't up to much. I used to use the free editions of AVG and Zonealarm. Anti-malware software is also a good idea - e.g.
http://www.malwarebytes.org/.
If you have online banking, you might find that you can get a free copy of an online security software package. I use Barclays and last week downloaded a free full copy of Kaspersky Internet Security Suite 2010 (anti-virus, firewall, anti-malware, etc.) which provides more protection that the AVG and Zonealarm combination that I used to use.
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