Anyone who uses the web regularly has accumulated a myriad of usernames and passwords for sites they access.  This includes email accounts, banking / investment websites, facebook, ebay, amazon, etc.  Of course the major challenge here is to actually remember your access information for any given site.

Many users out there turn to very bad methods to fight this problem.  They may use the same password everywhere.  They will most likely write down the passwords, or store them in a file on their computer (in plain text).  Some use password managers, which aren’t always a safe bet either.

I’d like to share my method for easily recalling any password for any site, without having to store it anywhere.

Here’s the method:

1.  Choose a unique username.  Try to pick something that will likely be available across most sites you visit.  For instance, you might pick your name, with a long number after it.  Like joe18080 If you can get this username for most accounts, then half the job is done.  For the few times when you can’t get that username, you’ll have to store that somewhere.

2.  Use a formula for your password.  A sample formula for deriving your password might be this:

• Pick a word you associate with the site – for instance, if it’s your bank, you might start with the word “bank“.
• Capitalize the second letter of your word.  So the current password is “bAnk“
• Add your birth year onto the end of the word (say it’s 1982), with a _ (underscore) in the middle – your password is now “bAnk19_82“

Now, you have your password, that satisfies most password requirements.  Whenever you go to your banking site, you just need to recall that “bank” was your base word.  Now each site you register with can have a unique password.  If someone gets one of your passwords, they won’t know how to generate your other passwords.  Also, you won’t have to write these down!