I just received a very nice comment from a fellow at ReBinder about my tear sheet organization. He is offering Mrs. Blandings readers 20% off of their binder orders at ReBinder.com through the end of May. He mentioned the Select line, which is chipboard instead of cardboard, which I am endorsing, though the cardboard is working just fine for me.
Just enter the code word BLANDINGSROCKS at check out. They are already inexpensive, so this could bring you in under your latte tab.