I have the main pictures folders, in that I have 2 folders Titled "Completed" and "Work to Be Done"
In "Completed" there are separated by 'Type' and then each folder has it's own unique filling system (So for Football I have separate folders for matches, if it's landscape then there separated by location etc etc) then by date.
"Work To be Done" is a bit more basic, as in it I have only a few folders at any one time, and they are just a general description with details attached. When I download my photos from the camera they go straight to there. I can then work on the photo's, save the worked ones in the completed folder under its correct folder and once done I delete them all.
Now I have a funny feeling I should really be keeping the originals but to me that seems as if it takes up unnecessary space.
Thens its back up twice on 2 seperate external hard drives eevery 2 weeks alternating between hard drives. (becuase I've never had a hard drive faliure I',m parnoid enough to worry)