i've gotten my refills online - i think always from ScrappinGrannies (whenever i see that they have them i stock up) - maybe from some other sites too? so far i organize as follows: annual 8x8 albums for each of the girls (jan - december), annual 12x12 albums for me with EVERYTHING (me and dh, and kids combined), heritage albums with family history/older photos in them, i'll also do a P365 album this year ... but - the organization is a work in process for me
(which is why i like the ding binders - LOL - i can change it up) ...