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Which is better?

Christeemo

Should i buy this build With a graphics card already:

i3-3240

gtx 750 ti
h81m-e
4gb ram 
psu
1tb harddrive
 
OR this build WITHOUT A GRAPHICS CARD:
 
i5 4570
h81m-e
4gb ram
psu
1tb harddrive
 
Is it worth the wait? Should I buy the i3 build so I can play immediately(gta v, tomb raider, bf4, etc)? or Should I wait and save some more money to buy a graphics card for the i5 build? 
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What is your budget and location

Desktop - Corsair 300r i7 4770k H100i MSI 780ti 16GB Vengeance Pro 2400mhz Crucial MX100 512gb Samsung Evo 250gb 2 TB WD Green, AOC Q2770PQU 1440p 27" monitor Laptop Clevo W110er - 11.6" 768p, i5 3230m, 650m GT 2gb, OCZ vertex 4 256gb,  4gb ram, Server: Fractal Define Mini, MSI Z78-G43, Intel G3220, 8GB Corsair Vengeance, 4x 3tb WD Reds in Raid 10, Phone Oppo Reno 10x 256gb , Camera Sony A7iii

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It's better to wait, then get i5 + GPU (also better other parts like Motherboard and RAM).

Where I hang out: The Garage - Car Enthusiast Club

My cars: 2006 Mazda RX-8 (MT) | 2014 Mazda 6 (AT) | 2009 Honda Jazz (AT)


PC Specs

Indonesia

CPU: i5-4690 | Motherboard: MSI B85-G43 | Memory: Corsair Vengeance 2x4GB | Power Supply: Corsair CX500 | Video Card: MSI GTX 970

Storage: Kingston V300 120GB & WD Blue 1TB | Network Card: ASUS PCE-AC56 | Peripherals: Microsoft Wired 600 & Logitech G29 + Shifter

 

Australia 

CPU: Ryzen 3 2200G | Motherboard: MSI - B450 Tomahawk | Memory: Mushkin - 8GB (1 x 8GB) | Storage: Mushkin 250GB & Western Digital - Caviar Blue 1TB
Video Card: GIGABYTE - RX 580 8GB | Case: Corsair - 100R ATX Mid Tower | Power Supply: Avolv 550W 80+ Gold

 

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4gb ram 

psu
 

Make sure not to get a 2 sticks of 2GB, get only 1 stick of 4GB, so you'll be able to upgrade to 8GB once you get the GPU card. (The mobo you mentioned have only 2 DIMM slots)

 

Which PSU ?, this is essential !

CPU: i7-4790k || Mobo: MSI Gaming 5 Z97|| Ram: GSkill Ripjaws X 16GB (2x8GB) || GPU: Sapphire Tri-X r9 390x || Case: CoolerMaster cm storm scout 2 || Storage: samsung evo 850 500GB , WD Black 3TB , WD Green 2TB , WD 1TB external (backups/Media) , Seagate 1TB external (Backups) || PSU: Seasonic X-Series 750W 80+ GOLD || Displays: Samsung C24FG70 , Dell U2414H || Keyboard: Logitech G810 || Mouse: Logitech G502 proteus spectrum || Headset: Logitech G633

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