To see if your laptop is seriously overheating, try using some free online diagnostic tools that monitor CPU temperature and such. Your computer should register around 55 Degrees Celsius during idle/normal use and 75 Degrees Celsius during intensive use (like gaming). If it’s way over this value (around 85-100) you will need to get your laptop checked.

There are many out there, but I recommend Everest Ultimate by Lavalys. It’s a great diagnostic tool that not only tells you about core temperature, but hardware information and more. Check it out. I got it on a whim and it simply fascinates me. If you look around, you might be able to find a product key (Or message me *wink*)
To get to the Temperature information in this program, just go to Computer > Sensor.

Here are my practical suggestions about your temperature problem are:
#1. Check that you are not blocking any of the fans/vents while you are using the laptop. This is a very simple but common mistake. I even put some thick cup coasters under my laptop (while on my desk) to make sure it has some extra ventilation.
#2. Dust out the fans/vents once in a while with one of those cans of AirDuster. The buildup of material blocks any cool air from getting into the laptop.
#3. Check whether the fan is running!
#4. Do not use the CPU as intensively – run less programs at one time.
#5. Buy a laptop cooling pad if you want to be sure to keep yourself and your laptop cool. Or be thrifty and run a fan nearby with a few books to prop the bottom of the laptop up.

—–

Do not use ice/water/any fluids to cool down your laptop unless you have a professional liquid-cooling system (which tend to be expensive and are a bit more elaborate than needed for everyday purposes). You might get water into the circuitry and fry it.
References :

Well first you can try blowing out some of the dust. Compressed air does wonders.

Mostly it depends on what you’re doing. Not running so many background services can help.

AWwww shitt I got a real suggestion, and its free.
http://www.almico.com/sfdownload.php

Speedfan is probably the most popular temperature and fan monitoring program. Download, install. Then you can turn up the fan speed to like 90% while using it. It might be alittle louder, but it will definately keep the temps lower.

Next best idea is a laptop cooler pad thing. Those are decent, but.. cost money. anything to prop it off a flat surface will help.

msg me if you need anymore help
References :

Are there any easy and possibly,home "remedies" for this?

I’m on a low budget and I really can’t afford anything right now.

Thanks.