Depends a little bit on what terminal emulator program(s) you are using (for example, eterm, xterm, rxvt, konsole...) but generally, all
of them provide a mechanism for setting the foreground & background colors when they start up. Have a look at the manpage(s) for your terminal program, and then test out their color options and find combinations that you like.
Later on, to simplify things when you start up your various color terminals, you could maybe use shell aliases for each different colored terminal scheme, such as `xtermred`, `xtermblue`, `xtermgreen` or write a tiny little wrapper script which either starts your various terminals, or accepts arguments for the colors so you don't need to remember the exact arguments, like for example:
./myscript white red
which might start your terminal with white text on red background (ugh!
Note too, that you can change the text color in any terminal, at any time, by printing/echoing ascii escape codes to the terminal. Such as:
That will make the text turn blue. To reset to normal colors, use (if I remember right):
P.S. - what did you decide on above, where you 'figured it out'?