I just store padlock combinations as phone numbers. For example, I might have a "phone number" for "Sonny" (fictitious) ... 217-0412. Who would know that Sonny is one of our horses, and that the padlock combination to his supply cabinet is 17-04-12 (discard the first digit of the "phone number").

A hockey gear locker combination could be stored under "Wayne Gretzky" or one of your other favorite players.

A three digit banking PIN could be stored with four random digits prepended to it under "Butch Cassidy" (because he robbed "banks")

Etc. This is good enough for me, for the non-critical stuff. Come to think of it, the only "critical stuff" I'd be accessing will always be from home, not while mobile. I haven't used a PIN anywhere for years (I use charge cards, not debit cards).