Install OS X on the SSD:
Install or Reinstall Lion/Mountain Lion from Scratch
Be sure you backup your files to an external drive or second internal drive because the following procedure will remove everything from the hard drive.
Boot to the Recovery HD:
Restart the computer and after the chime press and hold down the COMMAND and R keys until the menu screen appears. Alternatively, restart the computer and after the chime press and hold down the OPTION key until the boot manager screen appears. Select the Recovery HD and click on the downward pointing arrow button.
Erase the hard drive:
1. Select Disk Utility from the main menu and click on the Continue button.
2. After DU loads select your SSD volume (usually Macintosh HD) from the left side list. Click on
the Erase tab in the DU main window.
3. Set the format type to Mac OS Extended (Journaled.) Optionally, click on the Security button and set the Zero
Data option to one-pass. Click on the Erase button and wait until the process has completed.
4. Quit DU and return to the main menu.
Reinstall Lion: Select Reinstall Lion/Mountain Lion and click on the Install button. Be sure to change the target disk to your SSD.
Note: You will need an active Internet connection. I suggest using Ethernet if possible because it is three times faster than wireless.
After you boot from the SSD open Users & Groups preferences. Click on the lock and authenticate. CTRL- or RIGHT-click on the user account and select Advanced Options. You will see a Home Dir: field with a Browse button on the right. Click on the button. Navigate to the HDD's Users folder. Select your account folder then click on the Open/Choose button. You must restart immediately.
Upon the restart your SSD system will now be using your actual Home folder located on the HDD. You can then go about installing your applications or copying them from the HDD to the Applications folder on the SSD (and also from the Utilities folder on the HDD to the one on the SSD.) You will likely need to do some transfers of the Applications Support and Preferences folders found in the main Library folder.