Of course everyone's needs will be different with this sort of thing. I tend to keep my organization system in Evernote on the simple side as to avoid wasting too much time deciding where notes should go. I have found a sweet spot at the moment having just two distinct notebooks. One is a default notebook where I keep everything that is not a receipt or a bill. This one gets used and looked at on a daily basis. My Receipts and bills and such get archived off in a separate folder called "Receipts." This way they are out of the way and don't clutter up the default notebook. Then I have a public notebook which I haven't found much use for yet, but it's there nonetheless. My personal philosophy with tags is to keep the number of them manageable and to not nest them. I keep around 10, and I delete tags I'm not using anymore. I don't like to spend too much time tagging and I don't like guessing later at how I may have tagged a particular note. I'm not saying any of this is good or bad. It's just how one person uses folders and tags in Evernote.