Doing that ends up costing you the price of the board you won't use after the upgrade. Personally, I would go with an i5-4690 + H97 board and not overclock or go with an i5-4690K + Z97 board + Liquid AIO/High-end air and overclock. If your budget is close to the latter but you can't stretch it, then you'll probably be better off with the former and putting the excess of your budget into a new GPU, bigger SSD, nicer case, redundant storage, or a better PSU.