THAT was funny! Thanks for the LOL.
But it's not strictly necessary. Unless it's rattling and driving you nuts.
I agree with the others: if you don't have the funds to replace the car now, and this one has been well looked after (regular service) up to this point, then it's cheaper to keep going with it.
Also, take the initiative to learn some of your own maintenance! Somewhere to begin: the filter replacements you listed are both very easy to do. Also, if you're looking to save pennies, I'd just remove and throw away the cabin filter. I've never had a car that has one. Ask a friend who knows a few things about cars to show you. Provide a beer or two. Learn.
Don't put off the timing belt, though: catastrophic engine damage if it fails.