If I couldn't save up that much money for a secure computer, though making reasonable efort, I'd literally be going out and begging for the money. The above also applies to Windows 7, with risks increasing as every month goes by.

Much cheaper in the long run, your bank accounts won't get hacked (unless you're clueless in other ways), and your friends won't hate you for life for making zero effort to run a secure system and eventually having a virus on your computer email viruses and phishing scams to them. Or you could do what wiser people do, bite the bullet and buy a new computer with Windows 10 for around $200-250 U.S. Expect multiple disastrous infections damaging to the computer systems of yourself and others. If you use an email program (client), expect it to get infected and email viruses to all your contacts.

If you use your XP system for online banking, expect your account to be hacked and all your money taken. And Windows 7 is also no longer patched for free as of January this year. Peronally, I have some legacy XP systems for running old third party software, but wouldn't even think about using an XP system for my main internet-facing system. It's even hard these days to find a realtime antivirus for XP that still has definitions updated and doesn't have a zillion nag popups.

By now it has many security holes which no security software (antivirus, firewall) will protect you against.

XP hasn't been patched by Microsoft for many years.

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