My DH and I have our passwords in an Excel file. From the Excel on-line help - I am pasting this:
Securing a workbook file
You can help secure an entire workbook file by restricting who can open and use its data and by requiring a password to view or save changes to the file.
Password security
Password security at the workbook file level uses advanced encryption (a standard method of securing the content of a file) to help protect your workbook from unauthorized access. A password can be set on the Security tab of the Options dialog box (Tools menu, Options command). You can specify two separate passwords that users must type to:
Open and view the file This password is encrypted to help protect your data from unauthorized access.
Modify the file This password is not encrypted and is only meant to give specific users permission to edit workbook data and save changes to the file.
These passwords apply to the entire workbook file. For optimal password security, it's best to always assign a password to open and view the file, and have users with permission to modify data enter both passwords.
Note Password protection of a workbook file is separate from the workbook structure and window protection that you can set in the Protect Workbook dialog box (Tools menu, Protection submenu, Protect Workbook command).
Important Use strong passwords that combine uppercase and lowercase letters, numbers, and symbols. Weak passwords don't mix these elements. Strong password: Y6dh!et5. Weak password: House27. Use a strong password that you can remember so that you don't have to write it down.
Encryption types
For more secure password protection of the workbook file and its properties, you can choose from several encryption types that are available for use with Excel workbook files. Encryption makes text unreadable to all but authorized users who have a public key that matches the encryption type and that allows them to decrypt the text.
To access encryption options, click the Advanced button on the Security tab of the Options dialog box (Tools menu, Options command).
Read-only recommendation
If you do not want to prevent users from opening a workbook file as read/write, but you would like to remind them that the data is important and should not be changed, you can have Excel recommend that the workbook should be opened as read-only. You can do this with or without requiring a password to open the file.
When you select the Read-only recommended check box on the Security tab of the Options dialog box (Tools menu, Options command), users get a read-only recommendation when they open the file. However, this does not prevent users from opening the file as read/write, so that they can change the file and save their changes.
Hope this helps you! I would assume that other programs, if you are not using Excel, have this type of feature also. Good Luck!