I am using the following MemoryWorks products to start this new album.
Using these divided page protectors and the Simple Stories "year.o.graphy" kit makes it easy to pre-make starter pages for each month. I'll just add photos and journaling pieces to the empty slots. Since it is a 3-ring binder I can add traditional 12 x 12 layouts in anywhere I want to. Here are the pages for January.