DarkSable :
Okay, that's fine. Don't get the cooler yet, and then when you can afford it, buy the cooler and you can learn how to overclock.
You could also get a cheaper graphics card now, and then save up to get a better one later, but the 750ti should be able to get you the 'high' preset in most games at 1080p with an average of around 55fps.
Okay thanks and I have two hdds in my latop one is a 400gb thats clearly free can I take that out and use it towards the build and use the money that I would of spent on a hdd on somthing else? I know 400gb isnt much but its enough for now
You could do that, but here's the trouble. A 2.5" hard drive like the ones in your laptop are going to be noisy, slower than normal, and less reliable. I personally would keep the 1TB drive for $60, but it's entirely up to you if you want to go through the process of reinstalling windows if you go with the 400GB one and upgrade later. There will be a noticeable difference in the responsiveness of windows, though, and how long loading screens take. Actual fps won't be affected either way.
One thing I forgot to note is the lack of an optical drive. Unless you have a bunch of games on CDs, you really don't need an optical drive anymore - if you have a friend with a computer, or your laptop, you can take the windows ISO on the install CD and transfer it to a 4GB or larger USB stick, and install from that.