Here's what you need to get and keep your PC clean:
AVG Free antivirus (viruses and trojans)
Lavasoft Ad-Aware Free (adware and spyware)
Spybot Search & Destroy (adware and spyware)
Make sure you get the right version of Spybot - there's an imposter out there (I've provided the link to the correct one). Note that you want the Ad-Aware free version on the left, unless you want to complete an offer to get the Plus version on the right. I recommend both Ad-Aware and Spybot since in my experience they can find different things.
In addition to running the above weekly, make sure you never open an attachment in an email without scanning it first; turn off HTML display in your email client; and use
Firefox for everyday browsing rather than Internet Explorer (only use Internet Explorer for Windows updates and those few sites that require it). Turn on your Windows firewall in XP or Vista.
Do all the above and chances are you'll be a happy camper.