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Journal Journal: How do you properly manage your various passwords? 1

I've been scratching the ol' noodle lately on a good way to securely store my massive list of website/email/banking/etc usernames and passwords.

I'm often faced with the problem of trying to pay my phone bill, but I forgot the URL of the website and can't remember my username, password, or both. I then have to take the time to either retrieve the password or call customer service.

I could simply store this in a text file and pray that nobody ever gets a hold of the list, but that's probably not the most viable option.

Anyone have any experience with this? Security is my main concern here.

Long computations which yield zero are probably all for naught.