One thing i often lack or want in rollplaying games or other games also and very much in games like Fallout or Oblivion is some kind of ingame notebook where you can write down notes for yourself. Maybe to write down a place you dont have a key to yet or a person that you need to return to when your skill is enough in some are and so on. The Baldurs Gate games is the only games i know of that has this built into the game and it was very useful. I dont like to sit with a real notebook because it often becaomes plotty if you are not a good writer and so on.

I was thinking, is there any program around for this? Maybe something that could lie in the background and you start up and that you can switch to if you press for example shift tab for example?

The Fallout engine doesn't seem to support letting a script spit back out arbitrary strings to the screen, so probably will not happen in-game.

You can buy a notepad and a pen for under a buck, and they don't take any time to load, and they even save automatically as you write.

Stonekeep had that. You could put a comment anywhere on any map.
(Stonekeep shipped just before work started on Fallout 1)

Well, I stick with the oldschool pen&paper notebook version

But I agree with you that there is need for writing something down... I've noted some places with safes or doors that I can't lockpick yet. So I can come back and loot them all when my lockpick skill is higher