And if I can't do what I plan to do then I will need to budget a cheap HDD 500gb or less.
So I guess I should ask if I can do that, I want to transfer everything from my current HDD to a 1tb HDD and my OS to a SSD, can I do that without losing the licensing for my OS?
Also no gaming. school classes and possible running my eBay business stuff on it so I would be using excel.
The OS doesn't care about other files not a part of the OS when it comes to licensing.
If the OS is the retail version, you can move the OS to another computer with no problem if you delete it from your current one.
With the OEM version, you're tied to the original motherboard or a very close replacement, I believe. That said, Windows might not be aware of that and still function on a new motherboard. You're license is gone, but Windows still works and thinks it is licensed in that scenario. So that leaves it up to the user to decide on which path to choose.
But all that doesn't matter here, since it seems that you're going to pair the SSD with the motherboard the OS was installed with. You're not transferring anything to a new computer here.
Of course, a separate matter is that Windows might not work even if transferred to a new motherboard because it has driver issues due to it being set up to communicate with the old motherboard. That probably should not be an issue for you since you're putting the SSD in the same motherboard.