Have you read Stacy Julian´s book "Photo freedom"?
and inside they look like this.
I have a lot of different catagories. You choose what works for you and your life. Mine are the following:
Dad and Mom
Dad and Children
Mom and Children
What we do
We go away
These catagories take care of our lives, so that it´s easy to find whatever photo you want.
When I get new photos I scrap all the ones I right then have obvios stories for and the rest get filied. But later you suddenly come up with another idee and then you can just go to the files and get the photo you want for it.
I like having real photos at home. I do have a printer and sometimes I print my own photos, but printing too much gets much to expensive. So I always order dubble copies of my photos and since I have many children to scrap for too, most of them get scraped sooner or later. And since I´m not the sort of photograper that take hundreds of photos of each event, these boxes is enough for me.
Well, that was my story of today. Have a nice day!