MOST applications have a user changeable "default" saving folder. For example, in Safari, you can go to Safari [in the menu bar] / Settings/ General and change the download folder to whatever folder you want.
For Microsoft Word/ Office, click on Microsoft Word [in the menu bar]/ Preferences/ File Location and change the location of the files.
It's been a long time since I used Photoshop for the Mac, but I know you can change the various default folders.
For Final Cut Pro, flick on File/ Library Properties, and the Library Properties should open on the right hand side. Under Storage Location, click Modify Settings, and change the settings.
Don't forget to make the folders first in Finder, if they don't already exist.