stickhead: hahahahahahahahahhahahaha good one!
hen1028 - sounds like you have a classic memory leak. some little program or driver or probalby some MS .dll is allocating memory and not giving it back to the operating system. Run msconfig and eliminate all non-essential programs. Run this bare system like you normally would and see if the results change. If so you know one of the programs you eliminated is causing your problems.
Sorry 'bout your luck as this is very hard to find.
I've personally been VERY happy with WindowsME for a home OS.