13 is pretty low. I have three banks I have accounts at, so three accounts and passwords for me, then one for my wife (I download and store her retirement statements for her so I have to use her account), then two more user accounts and passwords for the kids cd's at the third bank. There is 6.
7. Health insurance site
8. dental insurance site
10. optical insurance site
11. cable/internet/phone web site
12. power company web site
13. gas company web site
14. domain/e-mail hosting site
15. domain registration site
16. work computer sign on
17. work single sign on
18. Cell provider user/password.
19-123456789. all the web sites and forums like this