I\'m cheap. I don\'t want to pay for many github accounts.
I have a project structure which looks something like this.
This is going to get very unwieldy very quickly (especially as Git won't let you push pull sub directories like svn will)
I would look at not using Github for storing projects. Tools such as Bitbucket or CodebaseHQ have different pricing models which may well fit you better and give you the simplicity you need.
Alternatively, look at something like Gitosis, which can be made to be very Github-esque via tools like Gitlab