For years I've had several go to passwords that I'd use for everything but I find that it's getting harder to keep track of them all in my head and so there have been a few accounts that I habitually get locked out of because of this.
More recently my employer started doing paperless payroll and we login to view our paystubs and submit vacation time. The website is slightly buggy but their password rules are utlra-strict and I can't seem to come up with a 12 digit alpha-numeric password containing both caps, lowercase, and special characters that I'll remember after one week.
So I broke down yesterday and started using keepass. It seems pretty good and works well on both mobile and desktop. So now all of my passwords have been changed using their generator so I should be good as long as I still have my backup file which I keep unprotected and publicly downloadable on my google drive with the link posted to my facebook wall.
Use something in real life for reference. One 'formula' I give to my customers with a spouse and/or kids is to first start with two of their initials (first/middle, first/last or middle/last) and the numeric values for two of the birth date details (month/day, month/year, day/year). For example, using the first and middle initials and the month and last two numbers in the year of birth for a family of four with the following information:
Robert Allen ------ 10/74
Barbara Ellen ------ 4/76
James Arthur ------ 9/95
Kelly Anne ------ 11/97
Would yield: ra1074be476ja995ka1197
In this example you could order the values with ladies first (mom then daughter) and the guys (father then son), which would give:
be476ka1197ra1074ja995
Now select which letters you want to capitalize (both first, men's first- ladies second, whatever...) and then garnish it with some symbols. In this case, I will capitalize the men's first and the ladies second initials:
bE476kA1197Ra1074Ja995
and add the garnish (inserting the symbols for the first three odd numbered keys, for example):
bE476!kA1197#Ra1074%Ja995
and now you not only have a damned long password but you can easily recall it when you need to as long as you remember how you constructed it. My oldest customer is an 83 year old lady that has a pc and does everything online (Amazon, streaming, banking, etc) and she loved this advice, as have many other customers.
You can do the same thing with information particular to you: cars owned (make/model initials, date of manufacture/purchase/etc), motorcycles owned, towns/addresses and so on. Build a password from something that you can easily remember and reference and after a while you will just remember the password because you have used it so often...lol!