96 accord over heating

So im kinda having the same problem in my
96 honda accord has been running hot . i
fixed the thermostat it stopped for maybe
24hrs an its doing it again when it dtarts to
get hot i turn yhe heat on an it goes down an
back up ectt... People are telling me
thermostat so i did thay now its head gasket
or water pump. I bout this car for 3400 an got
about 5000 in it including whole new front
end meaning rackapion control arms ect.. My
car got 220 on it i dont know when the last
time the water pump was replaced i hot it at
195 . any ideas oil aint milky havnt seen any
leaks but when the car gets hot an goes into
the reserve it comes out from some were
over there any ideas before i waste all my
money...