You shouldn't need to go liquid. Liquid is expensive, and the majority of people can go on just fine without it. So can you.
Upgrade the heatsink for your processor.
http://www.newegg.com/Product/Produc...82E16835186134
If (more than likely) your video card has a heatsink/fan, make sure the fan is functioning.
Put heat sinks on your memory chips.
You may also need a new case, perhaps the one you have now doesn't allow good air-flow.