Hardware Upgrading Advice

[Shodex]

Alrighty, I've got an aging computer. And though I love my old school games, I still enjoy a good romp around a flashy new FPS from time to time. However, I'm 15, so money isn't exactly growing on trees. I'm looking for some advice on what I should upgrade next.

My Specs:
OS: Windows XP Pro 32-Bit (I have Windows 7 Ultimate, I prefer XP.)
CPU: Intel Pentium D 2.66GHz
RAM: 2GB DDR (Since I have a 32-Bit OS this one is pretty much impossible to upgrade.)
Video Card: Nvidia GeForce 9500GT 1GB
(If you want more info, just ask.)

I realize the computer is reaching the "slow beyond repair" point, and believe me I'm considering just getting a new computer.

I'm leaning towards getting a better graphics card. My crappy CRT monitor only runs at 1024x768 so just a 9800GT would be dandy.

But what do you guys think, is there anything here that needs more upgrading than the rest. Or is it about time to give up and just buy a new computer.