Customize the default location for “Save As…” in Microsoft Word XP:

If you do not store your files in “My Documents,” you may want to change the default settings for “Save As…” which currently defaults to “My Documents.”

1. Open Word, click Tools, click Options, select the File Locations tab, highlight Documents, click Modify, select the new desired default location (such as Desktop) from the drop-down box, and click OK.

2. Click OK