Welcome to the site, sallyb! If you do a quick search for this issue (here or on any of the other forums) you will find quite a few posts about this issue.
This is a common problem with this ipaq, some earlier ipaqs and even a Dell or two

Think of it like a small bucket where some drivers and apps take residence. When it's full, you get this, so pinpointing a particualr app that causes it is next to impossible. hp has released ROM updates for other models and I am hoping that will happen here to.
A couple of things...head over to the hp.com site and sign up for their tech emails. They will actually send you an email when there is an update.
Also, if you have installed a lot of things, removed alot of things...tried more things, etc...try a hard reset and reinstall what you actually want to use. I would recommend this even if you didn't have the problem.
You can also try simply removing apps you don't use. This may or may not help, depends how the apps use memory.
You can try SKTools or MemMaid to help clean up memory. Again, may or may not help.
Make sure you have as much available memory as possible. Less apps in memory means less apps that might be taking up this space. Not an automatic fix, though. I have gotten this error with 20-25+ MB available. I have also not gotten the error with less than 5 MB.