here's my $.02 if you care....
If you had the cash, I'd say keep the CPU and upgrade the mobo and ram. HOWEVER, since it seems you don't, maybe consider selling the CPU and taking the extra money to buy a better mobo and RAM. I'm *sure* there's people within these forums that would give you enough money above the cost of the CPU to buy better oc'ing stuff. anyways, just a thought. Post in the WTS section and see what people offer you.
The chip isn't bettering you until you can OC it.