You can do this from Finder itself just selecting items.
You say "Applications Developer Library System Users" are these really the first things you see I would see these after choosing the Macintosh HD (or what ever you called your disk.
On the left hand side of Finder (OSX 10.5 here but similar in other versions) there are several groups all in capital letters. Devices Shared Places "Search For"
The first entry in the Places group is usually a picture of a house and your login name. Click on this and you are in your home directory and then can see subdirectories e.g. bin if you have created it. (Apple does bot create ~/bin you will have to)