I'm sure the experts will chime in soon, but I'll give it a go. You should have 3 filters in your system: mechanical, chemical, and biological. The water coming into your filter should go through the mechanical first, I believe it's also called floss. In my system this is attached to the carbon cartridge, so the water flows through the floss, which traps the big particles and waste. Then into the carbon, which is the chemical filter, which removes impurities and chemicals from the water. Lastly the water should flow through the biological filter, which in my system looks like a sponge. This is where your bacteria will colonize after your tank is cycled, and break down the ammonia into nitrates. The carbon filters must be changed regularly, they only work for so long and then they are " used up ". But the biological filter should never be replaced, only rinsed gently in old tank water.
I'm new at this too, and I'm sure filter systems are all different, but this is how mine works, as I understand it.