I have only replaced one or two filter cartridges this year. I rinse the filter medium in tank water to get the heavy particles off and then put it back in the filter. I can usually tell when the filters need cleaning, but in my tanks I only need to clean the particles off about once every two weeks. The filters only need to be replaced when they have holes unless you change them for a specific reason like medications in a tank.
It really isn't necessary to change the filter medium when it gets dirty. The bacteria live on the filter medium and will be lost when you change them or wash them in chlorinated water.
HTH
Bryan