How do I make purchases with a different email?

I have been wondering about this for quite some time now: How do I make an purchases, whether they are for apps or in-app purposes, with a different email?
I am currently using an iPhone 4 that was given to me by my sister's ex-boyfriend about 2 years ago, and I have been using his Apple account and password to download apps and such. But I don't know how to buy something in the App Store or make an in-app purchase because it requires information/ security questions from my sister's ex-boyfriend's account, which neither my sister or I know, and her ex-boyfriend is long gone by now, so we cannot contact him anymore. So I made my own Apple account and tried to make a purchase from there, but I still needed to answer security questions from my sister's ex-boyfriend's account, which bugged me. I have been thinking that this is the case because I downloaded the apps off his account, and curious if the problem would be fixed if I resetted my iPhone entirely or deleted all the apps that I downloaded with his account, and then re-downloaded them on my new account. The only problem is that, I don't want to lose my progress with any of the apps that I am using currently, and even if I saved them on the Cloud, I would still need to use his account information to bring them back, which I don't want. Also, I have an app that lets me purchase apps from the App Store with points, and I don't want to lose those apps either or else my points would come to waste. So, is it possible for me to use an account different from my previous one, since I don't know its security answers, to make purchases, and without worrying about losing any paid apps and app progress I might have? This really bugs me. Thank you in advance.

Sorry you're going to lose the progress of all your apps,
settings - app/iTunes store - sign out and then sign in with your apple id.
Delete all the apps under his and then download it with your apple id.

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How do I make purchases with a different email?

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