If you have 2GB of RAM installed and 1.95GB is used, then that's a lot. The RAM is there to be used of course, but not that much continuously on any normal everyday system that we would use.
That usage needs to be investigated. If you are using Windows, (you didn't say), open up the Task Manager, (right click the Taskbar, select Task Manager), click the Processes tab, and look to see what processes are using up all the CPU usage time. CPU usage isn't exactly the same as RAM usage, but if any process is using a lot of the CPU's time, that could be an indication of problems.
If that Processes tab does not show a column for CPU, goto View > Select columns, and select CPU Usage. To help identify which processes are using most of the CPU time, click the CPU header column twice. See what is there and you can research that process.
Also, check what size the Page File is. Also called Virtual Memory, it is recommended that Windows should manage it, but sometimes that is changed and a manual size limit is set. If yours is like that, return it to System Managed. The advice in the link below will help;
Often excessive CPU usage can point to malware. What do you use as your firewall, anti-virus and anti-spyware utilities?
One more thing. How often is this computer rebooted, (restarted or turned off, then back on)? Some users never reboot, and I often find they have RAM problems as the RAM never gets cleared.