Not sure if this idea was ever brought up, but I'd thought I share since it has been working for me. Even though it does take a bit more time.

Comb bindings are a pain if you need to add and move pages around. However, just take your scissors to a small stack of pages and make a cut from the edge to the middle of each punch, you can remove and pages just like a circa. I’ll admit that you would have to be a bit careful to not rip the paper when doing so. I guess this can be minimized if you have the patience to make the cuts a little bit wider.

Although I'd love to get the circa punch and discs, I can't really afford it. This is for my work planner anyway, and all the materials are easily available for me at work.

This is a great site, thanks everyone for sharing your ideas. I hope I could contribute in a small way at least.