I would definitely do what the other ladies have suggested. And if that doesn't work and you still aren't motivated, then do what Gelidy suggested and look into photo books. Then everything is an album and there are some cute ones out there. If you wanted a hybrid option, look at the We-R-Memory Keepers page protecters. They have pockets that you can slip in photos and create pages quickly.
Don't beat yourself up over not keeping up, that's the biggest thing. Also, don't expect to get caught up super quick. It's a big task, four years of photos. Take it little by little.