Hi, welcome to SPCR!
One utility that can help you (and costs nothing) is Speedfan. I don't know how the chassis fan is hooked up, but if it is connected to the MB with a standard 3-pin connector you can try and use Speedfan to slow it down. Same goes for the CPU fan if it's not already under some kind of automatic control.
The chassis air guide on the side of the case is meant to allow cool air to flow directly onto the CPU HSF. So unless you have the fan installed backwards, it's meant to draw air in normally, which can help by lowering CPU temps.
There are lots of good ways you could cool your video card. Simply replacing the stock cooler with an aftermarket one (Arctic Cooling, Zalman) would come under your budget and be quieter. Even if SPCR members might prefer even quieter (but more complex/expensive) solutions, you probably won't hear it over your other components.
Hard drive suspension is also relatively cheap, and grille cutting is also free.