I have 3 that I usually use. Level One is for forums and places that you wonder "Why do they need a password?"
That one is a pet's nickname plus the year it was born.
Level Two is for personal information, but not monetary. That one is a nonsense word + significant number, like the year my grandmother was born.
Level Three is for monetary things like my Paypal account. Again a nonsense word + significant number, but with raNdom CapS. I'm hesitant to use symbols, because IIRC, some symbols like ? are used in programming and it gives the computer fits if you use them.
I keep them in a list on my computer, password protected with a password that is used nowhere else. And even if someone should happen to break into that
, they wouldn't get the whole password, because they're coded, just enough there to tell ME what they are. 2834Z*G* doesn't mean anything to you, right?