My personal setup of programs are as follows. All are free:
1) AVG Antivirus - Free Edition
2) SpyBot Search and Destroy
3) HijackThis (This one's a little more advanced to use, so be careful)
With these 3 programs, I have never had any trouble with viruses on my PC at all. I also recommend switching to the FireFox internet browser, as it will provide almost 90% more security than Internet Explorer statistically. I highly advise downloading the following addons for it:
1) Adblock Plus (will stop 99% of adverts showing - including the dodgy ones!)
2) WOT - this provides information about a given website and will tell you if the site could be dangerous based on user opinions and ratings.
With all these on your system, you have a very decent amount of protection which dosn't cost a penny
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