Actually, you need to substitute it twice. It is due to the fact that the transformation $\phi(x) := \frac{x-1}{x} = 1-\frac{1}{x}$ is an element of order 3 with respect to composition, meaning $\phi \circ \phi \circ \phi = \mathrm{id}$. In consequence, you are facing three unknowns, namely :
$$
\left\{\begin{array}{ll}
f_1 &:= f(\phi(x)) &= f(1-\frac{1}{x}) \\
f_2 &:= f(\phi(\phi(x))) &= f(\frac{1}{1-x}) \\
f_3 &:= f(\phi(\phi(\phi(x)))) &= f(x)
\end{array}
\right.
$$
Then, the functional equation you were provided permits to generate a system of three equations for these unknowns :
$$
\left\{\begin{array}{lll}
f(x) + f(\phi(x)) = 1-x \\
f(\phi(x)) + f(\phi(\phi(x))) = 1-\phi(x) = \frac{1}{x} \\
f(\phi(\phi(x)) + f(\phi(\phi(\phi(x)))) = 1-\phi(\phi(x)) = -\frac{x}{1-x}
\end{array}
\right.
$$
It can be recasted matricially in the following way :
$$
\begin{pmatrix} 0 & 1 & 1 \\ 1 & 1 & 0 \\ 1 & 0 & 1 \end{pmatrix}
\begin{pmatrix} f_1 \\ f_2 \\ f_3 \end{pmatrix}
=
\begin{pmatrix} 1-x \\ \frac{1}{x} \\ -\frac{x}{1-x} \end{pmatrix}
$$
I let you invert this matrix and solve it for $f_3 = f(x)$.
Of course, you could have done the same substitutions "manually", i.e. without introducing all the new notations; however, here you have a procedure to tackle similar problems when the transformation $\phi$ belongs to a finite group.