Well, you might consider trying these freebies:
Free avast! 4 Home Edition
http://www.avast.com/eng/avast_4_home.html
Get free anti-virus and anti-spyware
http://free.grisoft.com/freeweb.php
I've used both at different times on the home machines, and they are darn good.
I would also recommend Web root Spy Sweeper.
1. Firewall: Kerio
2. Antivirus: AVG
3. Malware/trojans/etc:
a. Adaware (NOT Adware)
b. Spybot
Weekly Protocol
For AVG, update the virus definitions once a week. Do a virus scan at least every two days. (Mine does a scan automatically every morning at 3am.)
For Adaware, update the definitions and do a scan once a week.
For Spybot, update the definitions and do a scan once a week. Always immunize after updating. Running the Tea Timer utility is a great idea.
Saved the best for last, ALL of this is free.