Use a pattern. It helps.
Example: account@last 4 digits of phone if a special character is required.
phonebill@1234
Example: account last 4 digits of phone number if no special character is required
phonebill1234
phone@1234
insurance@1234
power@1234
water1234
gas1234
If they make you change it occasionally, flip it
1234@phone
1234@insurance
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