Default folders

I don’t use “My Documents”. I guess I think it is just to cute. I keep my documents, spreadsheets, pictures, etc. in various sub-folders under “Documents and Settings”. When I try to save something it seems I have to step up to “My Computer”, and then down through the drive, folders, and sub folders to get where I want. Is there anyway to get “Save” and “Save as” to bring up a selection of user defined folders?