K.O.
Yearly is awesome. Even if you aren't creative, you can use stickers and such to spice it up a little. Make sure to put a blank piece of paper behind the photos if using a photo album that is older and has acidic adhesive. The acid can destroy your photos. If you can afford it, get one that is acid free. There are a lot of places that have background paper for albums that can match the occasion...Christmas, Birthday, etc. It adds a little element, but can add to the whole album more than you know. It also doesn't take long to put the background in. I use stickers, cute sayings the kids say, etc. They can be handwritten or printed out on the computer in interesting fonts.
Just some info for you...have fun and enjoy your memories while you put the albums together.
ps...feel free to message me if you would like any ideas. I am good for unique ideas that don't cost a mint. :-)