Your first build doesn't seem to have a video card, you'll need one if you want to play games with decent graphics. Intergrated graphics just don't cut it. A 650W power supply is also overkill for that pc as well, you only need one that large if you plan on using 2 video cards or a very high end video card(or any high power consumption devices). I'm not sure how well a micro atx motherboard will work with an atx case, but I'm sure someone smarter can comment on that.

As for the 2nd build, I feel like the ram is a bit weak. 4 GB of 1333 mhz ram isn't very future proof IMO. If you really need a budget build it will cut it, just don't expect to be able to have too many programs going at once(IE your games+steam+skype+music +web browsers etc). Upgrading to 8 GB would be preferred, but not needed.

Also if fp4 comments on this(he often comments on PC build threads), trust him more than me. He has a lot more experience so he's more likely to have better advice.