I keep it very generally divided into categories (people, places, animals, inspiration - that's where other artwork goes -, textures...) and surf them every time I'm looking for reference, only sometimes with something specific in mind.
If you're so desperate to save time, name every image accurately (ie: tree branch texture) and just use the search option.
But I honestly would never remember and I like surfing through hundreds of pictures.
I also keep a stash of magazines with bookmarks in them in my library. Try not to get too much into dA, google and such, there's much to be found in books, comics, magazines

Bookmarks