as CMH said earlier, clean it! dust is not your PC's friend.
1. what are your system specs? CPU, mobo, video card (be as specific about each one as possible), different system configurations and components have different heat tolerances.
2. how many fans are there, are they intake or exhaust, and where are they?
3. what component does speedfan show 60c on? did you install the heatsink yourself, and if so did you use thermal paste??
4. where is your computer located? is it stuffed in a corner where air doesn't get to it?
-for a quick and free (but temporary of course) fix, remove the side panel of your case. if that alone doesn't lower your temps enough, then use a small house fan to blow cooler air towards the open side (do not put the fan right up against the case though)