|When Microsoft stops supporting Windows XP, it means this:|
After April 8, 2014, there will be no new security updates, non-security hotfixes, free or paid assisted support options or online technical content updates.
It does not mean your Windows XP will stop working after that date, but it does mean that eventually software developers will probably stop supporting XP too, which means you won't be able to run newer versions of some applications.
There's nothing to stop you continuing to use XP, after all, many people are still using Windows 98 even though support for it was stopped years ago.
All the existing Microsoft fixes for XP on the web will remain, there just won't be any new ones. If you feel you need to upgrade to a newer version of Windows you'll have to buy it at a software store but make sure your PC maker has drivers for that version. Otherwise buy it ready-installed with a new PC.
"End of support" is more critical to business users and large companies who must have direct support from Microsoft when a serious problem occurrs with the OS, because that means they are losing lots of money till it's fixed. If they are still using XP after the cut-off date, Microsoft won't help them fix it.