Spencer’s Password System (SPS)
I divide my accounts into three categories: Financial, Personal and Public.
Each category has a complex password assigned to it. The complex password must consist of at least 8 characters, include a capital letter, a number and a special character.
95% of my accounts will work with this system. Sometimes you might find an account that won’t allow a special character, this is fairly rare. For these accounts, I exchange the special character for a number or letter that looks like the special character. I change these passwords at least twice a year, more if I find there has been a breach at one of companies I have an account with. I have used this system for more than 10 years now and it has worked well for me.