http://forums.overclockers.co.uk/showthread.php?t=18544198
Some good advice in there but it is a bit long.
Easiest way would be to set a manual voltage of 1.45 and then simply up the multiplier bit by bit. Play a few games, run prime95 to make sure it's stable and if so, increase it further.
Eventually you'll get to a point where the system freezes or crashes. Drop down the multi a tad and thats basically it.
If you want to delve into it further you can start messing with FSBxMulti overclocking which offers better performance but is a bit hit and miss getting the right settings.
Thanks, Ill try the first option and see how it goes,
also what would be the best graphics card to get at the moment the best bang for the buck, my budget should be around the £180 I may also consider used if I can get warranty with it