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Scott ForrestI also use the matts for photos, etc., that aren't in sleeves, so it really makes sense to just get in the habit of using ph-neutral matting for all projects. I will get you a picture of the Victorian album pages so that you have a better idea - one I have has windows for a cabinet photo on each side. But they are definitely ACIDIC, so you have to protect your photos. I was thinking of removing some of them and framing with old photos/etc. - I'll post a scan later on this thread.
For a matt-cutter, just go to a craft store and check out what's available - mine was on sale for about $70 and is a solid no-frills version.