Passwords

I have password issues. I never seem to be able to keep them straight. I end up having a bazillion accounts for things because I can never remember what the hell the password is for an account. I try to keep it simple. I have basically 4 names and 4 different passwords that I rotate through. Usually I can sort out the combination thereof of something but every now and then you hit a site where my "preset" passwords don't meet their rules. IE. you must have 2 caps and 3 numbers and be no less than 5 but no more than 6 characters. Then I run into trouble because I will NEVER remember what I picked.
Yesterday I tried to access my Wal Mart online photo account. After multiple permutations of usual names with passwords I was still denied access. Either the site is screwed or I was drunk when I set up the account and I'm pretty sure I wasn't drunk.
In the next couple weeks I'm going to have to try to wrack the depths of my brain for the names and passwords for access to our tax information from the government website. It's been a year. This should prove interesting.