A spook told me to make up a password file like this that I keep on my computer and update it every time I change a password. Very simple, you only have to memorize 2 things, forever. A standard password and username.

Username Stupid57
Password Pilot68

If you have a citibank username, you only write down:

username
citi password

If the username or password require a special character, or more numbers, something like

citipilot681#

you would write down

citi password +1 #.



Works great. I have used it for 3 years and have a 4 page file on my smartphone and laptop, and backup up in the cloud.