Setting virtual memory really depends on your Operating System.
As JH mentioned you have way to many programs running in the background.
I know I mention this app alot but
CCleaner can help you get this under control.
Not only will it allow you to remove junk files from your system, clean the registry, but also control which programs load on startup.
It a simple case of highlighting the ones you wish to turn off and deleting the entry.
The only programs you really want running on startup are security (anti-virus, firewall, etc), some drivers and windows compontents.
You need to remove things like MSN messenger, Quicktime, Real player, iTunes and the like.
As a rule of thumb only leave the ones you need all the time, as mentioned above, and turn everything else off.
If this doesn't help, let us know your OS and we can offer better advice.