I used to do something like this too before I moved to password managers. The reasons were: - If a password on a website is stolen or if the website forces me

I used to do something like this too before I moved to password managers. The reasons were: - If a password on a website is stolen or if the website forces me to change password, then my "rules based password generation" becomes a problem. Now, it needs to handle variations. And, with hundreds of websites, I won't remember which variation a certain website password is on. - If a website has password rules that don't let me use my "rules based password generation," then what do I do? I tried having an alternative generation rule, but different websites have different password rules. So, no one / two / three generation rules will be able to generate acceptable passwords. - The "append a different word" requirement is tricky. How do you append a different word for each of the hundreds of domains while having a way to mentally recall them? I chose to use the domain name and shift all letters up by one. However, that failed with sites that use multiple domain names. - Sharing passwords with my wife became a hassle because the rules and variations were becoming too much for her.