1. If a site allows it, use two-step verification: Some sites allow you to set a password and then identify a photo of your choosing, others have passwords followed by secret questions
2. Use a mnemonic device or uncommon formula to create more secure passwords: I Love The 12th Man! becomes ILT12M!
3. Don’t use the same password everywhere: Break passwords into groups like banking, email, social networking, shopping and frequently visited. Use a different master password for each, but add two letters to the end of each that are site specific. So ILT12M!fb would be for your Facebook account.
5. If all else fails write down your complicated passwords on a piece of paper, keep it in your wallet and set a reminder in your phone to change it at the beginning of each month.