Confusing.....

One of the hardest things for me is to keep track of my usernames and passwords for all the different applications I use. I try to use the same identification for my work-related sites all the time, but sometimes the situation throws in a monkeywrench and asks me to change it to include numbers or capital letters which I don't usually use. I need to come up with a safe system to handle this. It slows me down when I can't remeber which identification I should use.....