cheapest and best way to keep them cool is to keep the temp of the room they are in down.
leave a fan running in the room facing towards the tank, leave curtains/blinds closed during the day, leave the lid of the tank open to allow for evaporation.
expensive but excellent solution is to get an aquarium chiller, probably cost you a couple of hundred quid though.
if you find it's overheating then do small daily water changes with cooler water, you can freeze small bottles of water then float these in the tank to cool things down. however don't just put ice in the tank as this will cause too much of a sudden temp drop.
don't worry about turning the heater down/off, it'll be on a thermostat and just come on as nescessary so if it's hot it won't come on, it's easy to turn them off and forget then if it gets cold one night or towards the end of summer you may forget to turn it back on.
the most important thing of all though is aeration, the hot water means there's less oxygen in the water which can cause serious problems. make sure the filter output breaks the water surface and makes ripples, put an airstone on if you can.