When you first 'set up' Windows™ with your account name and password, this 'Account' is an Administrator Account. The 'administrator' can perform any and every sort of operation on the system. This is not very secure.
By simply changing your account to a Regular User account, you limit, both the damage you yourself might inadvertently cause, and limit also the damage Malware/Badware can do.
First, your computer must have at least one administrator Account at all times, so before we can change your account, we must create one other.
Now you can log into your computer just as before, and browse the Web, check your email, write a paper, etc. The difference being, that your system has an higher level of security.