I'm up-voting you because you tried very hard, but what you have said is actually not very good advice. Why? Because the attacker only needs to find out
all of those bits of information to guess what your password is. Thus, the number of combinations they have to try is massively reduced.
The only true way to maintain security is for the password to be unguessable. For it to be unguessable it really needs to be random. Now this does make it hard to remember, but it's the price of security.
What I would actually suggest is using a password manager such as 1Password which encrypts all your other passwords behind a single password.
my advice is designed for ordinary users
i very much doubt that bad guys wants to hack a housewife's account
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