see this post) seems to be (I know the feeling!), helped me realize just how much I use technology to do the organizing for me.
I dump it all into my documents folder. I make no attempt at organizing anything, other than to label it with tags. It takes very little time and far less thought than navigating a file tree.
I use Leap and Fresh to easily find new or changed files on my computer. They work so well, I don't even realize I'm using them! The screen shot shows Fresh in action, appearing as needed above my desk top, vanishing when done. Beautiful. Also, uniquely Mac, I believe.