That is indeed strange but I have to tell you Sue you are between a rock and a hard place here.
Ok your on a tight budget but what is the price differential between the upgrade disk and a copy of XP Home around your neck of the woods?
Upgrading from 98 to XP can cause all kinds of problems and I honestly feel that if you can afford to get XP Home then you should do so.
If your system has a
cpu running at at least 266mhz then you can run XP, albeit very slow.
I have to say it's time to face facts and try your hardest to obtain a new PC.
The one I use now as indicated by that screen shot I posted is out of the Ark but it's all I can afford at the moment.
Sorry to be the bearer of bad tidings.