How to safely maintain usernames and passwords for financial sites

Do you have so many banking, stock, investment, and other financial site passwords that you cannot keep them straight? An idea on how to keep usernames and passwords readily available and SAFE...

Writing those username/password combinations down in their true form anywhere is dumb. Also, writing those down in a place that you do not always have access to is not convenient.

Solution: in your cell phone "Notes" you can record the username and password variations in a sort of "code" format.

Example:
if you usually use the username of JoeShmoe9, and the password of JoeCool~!12 on most accounts, then record that in an abbreviated fashion, and that makes sense to only you. And for the sites that do not allow your typical combination, then you slightly update the abbreviations so you recall what those are. But be obscure in doing so!

So for example, again JoeShmoe9 is the usual username that you use, and, let's say, JoeCool~!12 is usually the password, then examples of those would be JSn and JC~ii.

This, for my example, makes sense to me, because I would abbreviate JoeShmoe to JS and instead of 9 put n to remind me for "nine". Also for the password, JC for JoeCool and ~ii, where the ii is the Roman Numbers for 2. Make sense?

So if: JoeShmoe9 = JSn, and JoeCool~!12 = JC~2, you could do this for your bank and other financial institutions also. Wells Fargo could be WF, Chase could be Ch, Bank of America could be BOA, etc.

Now to use these, you put each on a line or separated by a common factor like a comma or whatever works for you. Again, being real obscure and not obvious in what these could mean, in any way, without someone absolutely knowing what this means is the goal.

AKA:
WF JSn JC~2
Ch JSn JC!!~2
BOA JS_n JC~2

Meanings:
(Bank: Wellsfargo; Username: JoeShmoe9; Passowrd: JoeCool~!12)
(Bank: Chase; Username: JoeShmoe9; Passowrd: JoeCool!!~12)
(Bank: Bank of America; Username: JoeShmoe_9; Passowrd: JoeCool~!12)

So you see how this would work. No one can really tell what this would all mean, but you would know.


Regards,
Moneybags