Ok to answer your questions,
For programs, uninstall them. Then reinstall them and when it asks to install in default location, select No and then point to the SD Card option.
For Data, use a program like Total Commander to move them.
Just make sure that you put them in a My Docuements folder as some programs will only see data in a My Docuements folder.
TC at
http://www.ghisler.com/pocketpc.htm
To getting good deals, try
www.ecost.com they have a Lexar 256 SD card for $65 right now, doesn't get better than that. (They also have the USB drive w/ free Sandisk deal too, but I tend to avoid SanDisk since 1 out of 3 people have problems with them)