All I ever do at home is troll NF. I do it pretty much everywhere actually. I am so addicted to this website it's kind of disgusting, though most of my time is spent obsessing over Madara in the KL.
I live in Mass, and we still have snow on the ground here. It was about 30 degrees at uni today, which I was not expecting and not dressed for. Still, I could never do Florida weather. If the weather could be in the 50s and 60s all summer, I'd be happy.
School has always been easy for me, so that hasn't changed. Some of the coursework overlapped, yes, and some of my lit stuff now I did as an undergrad, but what can you do. As for money, I got a lot of scholarships that kept me afloat. I was a TA as a graduate student for a couple of years as well, which meant school was completely free during that time. I do have some loans out, and I will be paying them forever because I am dirt poor, but that's just kind of how life is now. I had some extenuating circumstances last summer that forced me to completely wipe my bank account out (and almost max out both my credit cards), so that's something I won't be fixing anytime soon. About half of my student loans have come from this last year alone because of that.
Have you considered looking at schools that offer TA-ships or RA-ships? They usually cover tuition/fees and give you a small stipend on top of it.
I won't tell you what my other schools are because it's wicked easy to figure out who I am if you try hard enough. But BA in Literature. MA in Criminal Justice. MA in Crim Psych (I think they changed the program to Forensic Psych now). Now this MA.
I work at MIT doing shit for the military. It doesn't really relate to literature. I honestly have no clue why they hired me. I guess I was just really entertaining during the interview or something. You'd probably know more about it than I do because it's computer-based and every time something fucks up I just go "OH GOD!!!!" and run out of the room. I sometimes wish I had at least gotten an Associates in CS...