No need to get an aftermarket cooler as suggested by 20salmon, your chip cant be overclocked, so stock fan is fine.
Overclocking isn't the only reason to upgrade stock cooled tho? Better cooler = less noise and makes the CPU last longer.
OP doesnt have enough money for an SSD... so dishing out another 50-100$ on a cooler, which will give him no advantage over the stock cooler, isn't worth thinking about. Noise levels on stock chips with stock fans are very low. Case fans on the other hand are a different story. And stock non 'k' chip will last just as long with stock fan, as with an aftermarket cooler. By the time it dies anyways, the PC will have become ancient.