Sorry mate, but I (and a lot of others no doubt) find that excuse pathetically lame, as you have been browsing the forum for at least half an hour now which you could have used researching.
If you don't know how to overclock yourself and are too scared to risk damaging your components then don't bother! It comes across as laziness as pretty much everyone here has learned by trial and error and that's what overclocking is about, learning and having fun doing so!
If you post up your rig specs we'll help out as much as we can, I certainly got a great deal of help with my first phase rig from this place and so can you, no need to waste your money! (and man you have WAAAAAY too much disposable income, get a missus! lol )