Well, for bills, I have a little rack, it may be for your desk, but I've also used a napkin holder in the past and I put the bills in there with the date they are do on the corner and I put them in order of what is due next so that I can look at the holder/rack and see what bill is due next. When I pay bills, I pay a few at a time (about 2 weeks worth) and write what I paid, when I paid it and how. For example, I'd write $100.00 paid online 6/10/10 effective 6/12/10 and the confirmation number. Then, I put it in an accordian style small folder in my desk drawer. At the end of the year, I toss what I don't need, but during the year it's easy to see what I paid and when. A great tip I heard a while back was to make a list of what you want to organize and put the things to do in 15-30 minute chuncks. For instance. You said you want to organize your photo albums. Well, instead of saying "organize photo albums" you might say "1. gather all pictures, 2. put in groups of year (2009, 2010, etc.), 3. organize each year chronologicaly (or by person, or event, however you are going to put your pictures into albums), 4. make list of papers needed for X event/person - do that for each thing. etc., etc. If you break it down into manageable tasks, you may say to yourself, "I have 15 minutes, and I think I'll just gather all the pictures and put them in one spot." then, that task is done, you didn't spend all day doing it, and you've gotten something accomplished. Same trick works with closets and drawers in the bathroom. Tackel one at a time in small chunks, or if you are really ambitious, then take a day to do one big thing like clean out the closet. Try everything on, if you don't love it, give it away, if you haven't worn it in a year, give it away, if it is pilled, has stains, etc., give it away. Make a list of things you need to replace...if you can't get rid of your black pants even though they are a little snug, then put on the list "get black pants" and as soon as you buy the replacement pair, get rid of the other one. Another trick is to turn all of your hangers backwards at the beginning of the year. As you wear and rehang up things, hang them the right way. At the end of the year whatever hangers are still backwards are things you didn't wear. It does two things - encourages you to wear the things you haven't worn in a while, and points out what you really don't wear.
Good luck!