You can always throw a "cd wherever" into .bashrc.
That script is sourced every time a terminal opens. Anything that you want to automatically happen when you open a terminal can be put there.
Or many terminal emulators let you specify the cwd on the command line when they're called. You can append this argument to whatever you're using to launch your terminal (menu option, desktop button, keyboard shortcut) to pass it in.
For example, konsole has the "--workdir <dir>" option. So you could just change your launcher so that instead of running "konsole" when you click it, it runs "konsole --workdir /home/user". gnome-terminal has a similar option "--working-directory=DIRNAME". Terminator probably has one too.
Last edited by suicidaleggroll; 10-25-2013 at 04:52 PM.