Pc is only using memory and not cpu

Please Help
The only user programs running are google chrome w/ 4 tabs
& win i explorer with 4 tabs
virtual memory is user set to 12,000 mb. Is that not a good idea?

@ idle the cpu is at 1% and the memory is @ 29% & the GPU memory 160mb/1024mb gpu @ 27%. Earlier I was using photoshop cs6 64bit and trying to save a file a little bigger than 30,000 px and my memory was @ 99%. A window popped up to say can not save image as there is not enough memory available. How would one expect to fix these problems?