Traditional account layout:
Code:
~/
Applications
Desktop <---- iCloud sync
Documents <---- iCloud sync
Downloads
Library
Movies
Music
Pictures
Public
Sites
If it ain't iCloud sync'd, it's local.
Also, each app (Pages, Numbers, Preview, TextEdit) has a default storage folder for when you Cmd-N, typey-typey, Cmd-Q without saving or naming it. And you can also save to it. And it's a bit hidden. (Psst, look in Finder->iCloud Drive.)