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It depends on whether you, for example, pay all your bills, for everything, together or if you pay for them separately and at separate times.

If you only do Art Gallery stuff at a different time/location/whatever from doing Commercial Photography stuff, separate them out.

The benefit of using folders for distinct items is the ability to focus on a folder and only see the actions associated with that folder's projects.

That said, I worry less about how the projects are organized, and more about keeping my contexts straight. After all, contexts is where you actually do the stuff that needs to be done. Those should be as clear and distinct as needed.