If you are still using XP after April, I’ve found a useful tip.
Stay away from administrator accounts!
Malware can only do as much damage as the account it infects. Admin accounts give baddies complete access to your computer
Once Windows XP stops being patched, stick to using a Limited account for your day-to-day activities if at all possible.
Use an admin account to create the locked-down login and stock it with the software you need. Only use the admin account when installing or uninstalling software. keeping our previous program advice in mind—and then don’t stray from Limited land unless you need to install or update software and even then, only stick in the admin account for as long as is absolutely necessary to get the installation done.
This is a not a perfect solution, you are still advised to migrate to another operating system, but might keep you safe until you have saved for your new machine.