LOL I feel your pain man my first time trying to figure all of this out was like getting hit in the head with a sledgehammer. Basically when at stock you need to know what all the settings are at. A program called cpuz tells you this.
http://www.cpuid.com/softwares/cpu-z.html now from there you make small jumps to the multiplier...if you click the link i put up above it shows its at 22 which is the 30 u have on your bios screen aka cpu ratio. now for example i would try to jump from 22 to maybe something like 25 which would bring you from running at 2931 to 3330 which is a decent overclock. now if you look at that pic in the link above again you see that it currently runs at 1.216 to achieve its base clock of 2931. Now you can get lucky and it just works at the stock voltage or it doesn't and we have to raise this voltage which is cpu pll voltage in your bios. remember make very small steps from the stock in this case which is 1.216 to something which would be more like 1.255 or whatever the next small jump would be in this case(different on every mobo ive owned so far) Now we would try to start again. Make sure to have something to watch your temps like a program called core temp is very good. If it does now start and run fine make sure under load your temps don't get to high. Use a program called prime95 and run the torture test. This will one show how hot you will run under an extreme load and 2 show if your overclock is stable. If the temps get to high back down your voltage and drop your ratio down. if your temps stay fine but you crash or the cores start to drop one by one. increase the voltage again one small bump and try again.