Hey fishinAZ
This is what i did with my penguin 125.
I took a new filter cartridge and cut all the blue filter stuff out and emptied out the carbon. That leaves you with the black frame that you slip into the filter. Buy some sponge or foam bulk from a LFS and cut it so its a little larger than the black frame. Wrap an elastic or two to hold it into place. Voila, a homemade filter cartridge. All you have to do is rinse it with every water change.
I noticed that the cartridges you buy clog super fast because of they are so fine. I tried just washing it clean, but it didn't work. Oh yeah, you can also take the rest of the bulk sponge or foam and shove it into all the open spaces in your filter. Hope this helps.