I don't write my passwords down anywhere but I have used Firefox and SplashID (so I could have my passwords in a little database on the Palm devices I've used through the years) which both require a central password to access.
My PayPal account got hacked a number of years ago after I sold a router on eBay. The router still had my setup in it, the buyer needed the password to change it and I stupidly gave it to him. It happened to be the password I used for most everything at the time and I nearly lost $6k in transfers from my checking account to PayPal. After that I created a new password schema and changed my passwords for everything.
The password schema: I've found it easiest to use a base word (can be anything) prefixed by the type of account and suffixed by a number (either something that means something to me or the year I've created the account).
So for example:
fMaximus07 - a forums account
sMaximus07 - a shopping account
b1Maximus01 - bank #1
b2Maximus03 - bank #2
xMaximus07 - a GuildWars account
Easy to remember, satisifies requirements for letters, numbers and upper/lowercase and I only reuse them on sites of low importance (for example, forums sites passwords tend to be the same). Also, if the login is based on the email address (I have at least 3) then I'll use one email address for gaming sites, another for shopping sites, etc.
So, if you got my email address and password from a Guild Wars fan site via a security breach, you wouldn't be able to login to my game account, or any other account for that matter, even if you knew the other sites I have accounts on.
Regardless, as others have said, if someone wants it they'll get it.
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