i always have to re-adjust the margins, fonts etc to what i wanted
by going to the formatting pallette.
Actually, the Formatting Palette kinda hides the trick from you....hadn't
noticed that before. So use the main menu bar for these steps.
To reset margins, go to Format | Document. Set the desired margins, then
click Default.
Then go to Format | Font, set the desired font and size, then click Default.
Clicking Default--in any dialog where it exists--will add the change to your
Normal template, which is the basis for new documents, so it should stick.
The Formatting Palette, unlike the older dialogs, doesn't offer the Default
button, as far as I can tell.
If you need to change anything else, ask specifically--or try using the
dialogs off the menu bar (instead of the Formatting Palette) and looking for
a Default button.
The articles CyberTaz recommended are very helpful for general knowledge but
don't answer your specific question--however, reading them will probably
enlighten you as to what is going on in general. Another approach to setting
defaults would be to actually open up the Normal template file and make
changes directly in it, but it's best to use the Default button if one
exists.