I use the 3 month filters that cost $10-$15. I find the filters don't usually last 3 months before I start to see build-up, so, I often change them early. I make sure to change the filter when switching from air conditioning to heat and vice versa, and in between.
Another furnace related task is a yearly cleaning. You can save money by DiY - remove the side panels and vacuum out with a shop vac. By cleaning it myself I have the furnace professionally checked only every three years instead of the recommended yearly check.
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