I've had the same problem. I started with Creative Memories and didn't like to have to trim the papers, plus buy pages and protectors. I'm been using Pioneer lately and do like them. They are sold in lots of places, so refills are easy to find. I just purchased a 3 ring album on our trip to Disneyland, I'm curious how well it works. Good luck and I bet most of us have been there one time or another.