My system is totally file and folder based, because I don't want to trust/depend on a specific software. First I have folders by year:
- 01 Birthday
- 02 Holiday
I don't bother to rename the files. This system doesn't allow searching, so I try and tag my photos in Picasa Web Albums. Since PWA doesn't allow sub-folders, my sub-folders in PWA have the year before them: 2012 01 Birthday.
This year, since the year folder usually gets too big, I'm making new sub-folders for topics, rather than events: 2012 01 Review