Thats sad to hear, prayers are always with you and your family. Job situation sucks nationwide, the Mrs also lost hers a couple of months back and a couple of friends and their jobs are also in the doldrums.
So pray too that things get better for everyone.
Also in some rare occasions the radiator big fan viscose clutch fails. Which is easy to catch, if while your heat gauge needle moves up, do you hear big gushing fan noise from engine bay or not as that's the function of that viscose clutch to run on two speed. one speed (half of engine rpm) when car is in normal temperature. Second speed (same as engine rpm) when car starts to overheat.
@harryd as desertdude pointed out start from the least expensive way to fix your problem and than work yourself way up. First thing take it to any radiator shop and ask them to remove the radiator and clean it up from the inside. They will take it apart and put a steel wire through each and every hole to make sure whatever sand that has gone through and become stone inside the radiator is removed, rinse it completely and fix it back. I would recommend you to buy and take your own radiator coolant as I do not trust them with the coloured water they put into the radiators. They would also be able to check it for you is the fan speed is good or if it is getting weaker. This should solve your problem.
There are many radiator shops after the University Signal in the Sharjah Industrial area, plus lot of shops that can sell you the original Honda Coolant which is not going to cost you much more than the coloured water these guys use. You will need your Mulkiya to get Coolant also if you go for the original Honda Coolant.
Hope this helps.