Leigh_2 :
Example: if u got a little bigger PSU like a 450 and u get a 550W PSU, will just 450W be use from the wall and the rest just not in use.
What is a good PSU brand and What is a good 80+ I read that 80+Platinum is the best and the gold is the second best
Well I've suggested a good PSU for your build. But if you're interested in understanding things I'll have a go at explaining it...
So you understand that watts is a measurement of power? The job of a PSU is to provide the computer with as much or as little power as it needs. So at idle, my gaming desktop might need only 25W or less, and the PSU will provide it with that. It'll provide that 25W to the computer whether it's a monster 1600W PSU or a tiny 200W one... whatever it is... as long as it's working properly it'll provide the computer with the 25W it needs. When I fire up a game my PC might all of a sudden need 400W, and the PSU then needs to provide that much power. Obviously the 1600W PSU can do that just fine, and will still only be operating at 25% capacity, while the 200W unit will fail. Quality PSUs are built with a range of safety and protection features, so a quality 200W PSU in that situation should just instantly power the computer off without damaging anything. A poorly designed unit however could fail catastrophically, damaging or destroying any and all components in your computer, or even start a fire.
Point is, irrespective of the wattage of the PSU, while it's working properly it will deliver the computer with as much or as little power as is needed.
The related issue - which also leads into your second question - is about
efficiency. In order to provide your computer with power, the PSU has to convert the power from your wall socket (AC 110V or 220-240V depending on where you live) to the correct power that your computer components require (a variety of DC voltages such as 12V, 5V 3.3V). However, there's no perfectly lossless way to do this, so in providing those voltages, the PSU always wastes a little bit of power. Most of that power is lost to heat in components in the PSU, which then needs to be dispersed with heat syncs and airflow from the PSU fan so that none of those warmed components ever get too hot.
Point is, a small amount of power is wasted by the PSU. That waste heat is talked about in terms of efficiency. So the more efficient the PSU, the less power it wastes to heat... (and that means it runs cooler and requires a slower fan, or even no fan at all to keep temps in check).
So back to my example, at my 400W gaming load an efficient PSU might be pulling 440W from the wall to provide the computer with the 400W it needs, with ~40W (~10%) wasted to heat. While a very inefficient PSU might be pulling 480W or even more from the wall to provide the 400W, with 80W (~20%) wasted to heat. However just to be clear, both PSUs would be providing 400W... efficiency just relates to how much power is wasted by in doing so. The 80 Plus standard is a measure of efficiency. Google it if you're interested in the exact specs, but essentially it goes from 80+ (blank), to Bronze, Silver, Gold, Platinum, Titanium. Higher tiers are more efficient.
Final point and then I'm done: PSUs tend to be most efficient at around 50% of their maximum load (whatever that is). Also, they are often quite inefficient at very low loads. This is why it's generally not a good idea to get a stupidly overpowered PSU. Because it'll be running at a tiny fraction of it's load making it (usually) very inefficient. Take my example above of the 25W idle load. In that case the 200W PSU is operating at around 12% load, while a 1600W PSU would be operating at less than 2% load. It's actually likely that a "less efficient" 80Plus Bronze 200W would unit actually be wasting less power on that 25W load than a theoretically much more efficient 80Plus Titantanium 1600W unit would.
Point is, don't go overboard on wattage... you'll just waste power for no reason.
Having said all of the above... unless you live in an area with exorbitant energy prices and game for 8 hours a day, it's not really going to make any significant difference to your energy bills.
ALSO, efficiency is actually much less important than getting a reputable and reliable unit. i.e., one that's going to provide nice stable power and not cause instabilities, set itself on fire or destroy any of your components...
So, I go back to my original statement, all you need is a decent ~500W PSU. I'd recommend the Seasonic I linked. But there are other good options too.