First ones always a nightmare but try not to stress about it to much, I assume you are filling in the visa app form for your G/F , I have always done Pan's for her simply because the form is only in English and if I have all the info to hand I can probably get through it in about an hour. I then send the login details to Pan and she signs the last page electronically this way you have a happy unstressed wife/ g/f. you will then have the option to pay for the appointment ( which I assume you are doing ) you can just use your UK credit/debit card to do this. always print yourself a copy of the completed application form then keep it safe for next time as it makes it a lot easier as you will have all the info you need all ready to go. I to have used a ring binder in the past, one of the big ones weighing over 3Kg and so much paper you struggled to get the metal prongs to close shut but I think for the 4 th visa I will streamline it a lot as the last time Pan said they did start removing stuff at VFS what they pulled I don't know as I havn't been back since she got the last visa which is a 2 year one. Late last year or early this there was a post by one of the regulars as to how he had gone about it this time which was to put each section into the plastic folders that have a coloured back and clear front and fold over metal tabs inside to hold the paper work, that is the way I will go with it next time. There is a tendency to over do it, i've done it. The most important single component is the reason to go back, if you have got a pressure tight reason for her to go back then most of the other stuff is window dressing.