10 5 Minute Money Actions to Help Your Finances

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You’re not going to change your entire financial situation in one afternoon.
But you can make small positive changes in just a few minutes.
Sign up for Robinhood for free stock here: join.robinhood.com/salemb51/
See how to view your Amazon history here: www.amazon.com/gp/help/custom...
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Recent videos:
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Most popular videos:
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You can read more tips in my book, The Minimalist Home, or pre-order my new book, Things That Matter: Overcoming Distraction to Pursue a More Meaningful Life.
Read hundreds of articles on decluttering and owning less on the Becoming Minimalist blog.
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0:00 - intro
0:32 - 1. Invest $50
1:28 - 2. Open your credit card statement
2:03 - Unsubscribe from newsletters
2:42 - Sell something
3:12 - Look at your Amazon history
3:37 - Empty your cart
4:05 - Pay $100 towards debt
5:08 - Cancel subscriptions
5:54 - Pack a meal
6:21 - Spend nothing next week

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Опубликовано:

20 июл 2024

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Комментарии : 205

@JoshuaBecker 2 года назад

Hey guys! Just wanted to let you know that my new book, Things That Matter, is finally here. I put my heart into it, and I can’t wait to share it with you. You can pick up a copy at www.penguinrandomhouse.com/books/676394/things-that-matter-by-joshua-becker/

@jyotikamartin4521 2 года назад

Hello Joshua I just heard you had quit preaching a bit ago. I was hoping you were still Strong 💪 in the lord and were using this platform for Him as well. Praying for you and your family. Jyo

@jyotikamartin4521 2 года назад

Just wanted to add as well that I love listening to you. Your words have encouraged me to move in the direction of “ less is more”

@lizziemcdougall2767 2 года назад

For me, having simple finances is a part of my minimalist lifestyle: one credit card which is paid in full with every pay, automatic savings which are deducted with every pay, and bills which are paid as soon as they are received. I appreciate the encouragement to start investing. Many thanks for another great video!

@mishmella5200 2 года назад

Thank you. Really great tips. 1. Invest $50 in stock market 2. Review CC statement for surprise charges 3. Unsubscribe from email newsletters 4. Sell something on market place, clutter into cash 5. Run an Amazon order history report to see how much you spent in the year 6. Empty you Amazon cart 7. Pay $100 to your highest interest rate debt, to pay it down 8. Cancel one (or more) subscription 9. Pack a lunch for work tomorrow, save 10. Decide to spend no money for the next week

@ebarling4730 2 года назад

Thank you! 🙌😊🙏💫

@FionaApplewright 2 года назад

Last february was my no spend month. I made sure i had all my non perishables like tp, toothpaste etc and gave myself a $50 bill to spend on fresh produce and eggs etc and locked away my credit card for the month. I spent less than my 50 and came out will a cleaner pantry, a smaller waistline, and a huge savings account deposit. I will be doing it again this February and I'm going to try it again in August as well.

@jenniferdean4948 2 года назад

You just inspired me. I'm going to do this as well.

@FionaApplewright 2 года назад

@@jenniferdean4948 i'll tell you... meal planning for a whole month ahead of schedule was the key. Good luck!

@jenniferdean4948 2 года назад

@@FionaApplewright thank you!

@alifewithluna4134 2 года назад

This is so encouraging! I’m doing a no spend challenge starting tomorrow! I’m only doing $100 for milk and fresh produces for the kids, but we are doing home meals and I am cloth diapering again (stopped because I couldn’t keep up, and got a bit lazy TBH). I’m excited to get this rolling!

@Sunnyflower67 2 года назад

@@alifewithluna4134 Good luck with everything! I wanted to throw you a little comment about the diapers, if I may. Remember when he talked about buying experiences. Or, to remove negative experiences? I used cloth for awhile years ago, with my 1st. I found that the set up supplies were quite expensive, but you already have that taken care of. I found that the cloth added lots of work to my day, was appearingly uncomfortable to my son, (6-8 mths) cuz he got lots more rashes from having wetness against his skin more than he would with the disposable. So, if my opinion is welcome at all seeing as I just jumped in, this may not be worth including in your money-saving month. I found too that trying to save money by buying generic was a total waste. I had to use twice as many. There's just some things you can buy generics and some just aren't worth it. 😃

@sgueymard 2 года назад

Bought my grandparents place in 1995 and kept their same phone number. For 10 years, i had a $3.00 monthly fee on my phone bill, but assumed it was an admin fee. Finally found out that fee was for a rental rotary phone stored in the basement. The rental started in 1956! Couldn't get a refund, not even keep the phone! I had to send it back! 🙉🤷🏼‍♀️

@daniellegreig489 2 года назад

Gosh, that's so unethical of the phone company!

@sgueymard 2 года назад

@@daniellegreig489 True! That useless broken phone was long fully paid!

@vanessamay3689 2 года назад

Wow.How many others are doing that.

@coffeejab3381 2 года назад

I have been following your channel since 2017. All of your tips have helped me along the way. I wouldn't classify myself as a miminialist, but I have decluttered and eliminated many things along the way. As much as I aspire to be a minimalist, it will take some time ☺ Thank you for your helpful tips much support from Australia ♥

@shehnazahmad5213 2 года назад

In the States you guys buy soooooo much online. I can say I only bought once bcs my sewing teacher told me I must buy sewing machine to do my ptojects at home. I done it only once. I never ordered food for me online. I don't enjoy shopping online. Sending peace from Johannesburg South Africa 🇿🇦

@biffpenguin 2 года назад

After watching your video yesterday Joshua I decided to spend 5 minutes unsubscribing from and deleting emails. After my timer went off I decided to add a further 5 minutes as I was making progress and 5 more minutes deleting emails was better than 5 minutes scrolling socials. In ten minutes my inbox went from 27,000 to 11,000 😮😮. Still more work to do but very proud of my efforts. Also I read the guest post on your page about digital minimalism and I’m planning on implementing some of her tips. Thanks for what you do.

@ToadyEN 2 года назад

I’d suggest being careful when buying stocks, it isn’t as easy as putting $50 in and then getting profit. Research who to invest in, understand common terms I.e: efts, mutual funds, dividends etc etc

@exantiuse497 2 года назад

Yes. In fact, for the majority of people, investing in index funds is much more proftable than buying individual stocks. The exeption is people who can spend hours each day analysing the market to figure out what stocks are going to beat the market, i.e. people who basically (or literally) do it for a living. If you don't know what you're doing, spending five minutes looking up an interesting stock and buying it for 50 dollars is equivalent to playing blackjack on a casino for $50

@bb_lz9790 2 года назад

@@exantiuse497 Note that in Joshua's closing comment on this subject he mentioned buying an S&P 500 Index Fund. That written, I'm not sure that folks without 6 months to a year of expenses in a safe savings account (or similar) should be going anywhere near the Stock Market.

@anireseegam6128 2 года назад

Yes. I'm disappointed in that, but he has a vested interest.

@HeronCoyote1234 2 года назад

Warren Buffet used to tell people, women in particular, buy what you know. Like shares of Proctor and Gamble. I bought 75 shares of Apple a few years ago at $98/share (worth about $7k). It split 4 ways, and increased in value/share. My 75 shares are now worth about $49k. Also, if you don’t understand it, don’t invest in it. I have no clue about bitcoin, cryptocurrency, and the like. One other secret to making money in the stock market is patience. Ride out the ups and downs.

@marykathaight4948 2 года назад

This is May, 2022 now and I'm watching the market fall. Not a good time to invest in the stock market.

@deniseconaway701 2 года назад

I’m not into stocks and shares, but i love the more simple tips on saving money, coffee, lunches, groceries, electricity bills, checking credit cards Thankyou, vlogs about saving money i love

@Quinceza 2 года назад

TOP TIP: Don't put the affiliate link as your number one advice

@suzy1750 2 года назад

Reviewing your monthly credit card statement is also important to make sure all the charges are legit. Scammers will often make small charges, often for only a few dollars, on your card to see if you notice. If you don't, it either paves the way for a larger purchase down the road or they continue to make small, fraudulent charges on your card which add up over time, esp. since they are doing it to so many people.

@sgueymard 2 года назад

Happened to me! Hopefully i found out early!

@A.Rose.G 2 года назад

@suzy1750 2 года назад

@@sgueymard It happened to me too recently, which is why I thought of it. :)

@TheDriftwoodlover 2 года назад

Such wise advice. We all blow so much money on impulse buys, which means less to save for big needs.

@caroc8290 2 года назад

Your advice is so valuable to me, and hope for many others. It took me many years to open my eyes to realize how wasteful I was with money.

@andrewharald88 2 года назад

Hey

@andrewharald88 2 года назад

How are you doing caro

@janettebrown 2 года назад

Great tips! Finished your video- cancelled 2 subscriptions, paid half my rent so I won't spend it, & unsubed from a couple channels that stopped posting content often. I can always go back & resubscribe if I see I need it more than not. Thanks again!!!🙂

@5MinuteBody 2 года назад

I avoid impulse buying. If I want something I wait 30 days to buy it. If I still 'want' the item I go ahead and purchase it mindfully with joy, as opposed to mindless dopamine producing purchases 😃😍🤣

@simplyshantal 2 года назад

How do you walk away from it? Especially when it’s a good deal?

@5MinuteBody 2 года назад

@@simplyshantalsales or good deals are impulses to make you buy more. You be control of your wants, not marketing 😀😀

@daughterofmyabba 2 года назад

Great idea!

@tashasmith1743 2 года назад

Solid list! Thank you! Tip #11 talk to your spouse about getting on the same page w/ spending, and your dreams for your future!

@theskillets 2 года назад

I agree with all of these except cancelling your home phone if you have a cell phone. If you have to call 911, and you don't have a strong cell signal, you will be in trouble. Also, if someone is visiting your house and has to call 911 for you; their phone is registered to their address. We keep our land line for this reason. Hopefully never need it but......

@rondap.328 2 года назад

We have a special needs daughter who can call 911 but can't unlock and use a cell...so yes we keep our landline also...

@OffRoadVee 2 года назад

We cancelled our landline service but can still plug a phone into the wall to call 911 (same line used for internet). Check with your phone company. You might be surprised. Saved us a bundle!

@mildredmartinez8843 2 года назад

I'm pretty good at the money saving tips you mentioned since I strive to lead a simple life. I rexentky upcycled to 5 black blouses that I've had for ages and donated others. But living on a meager pension means I'm always watchful of my spending and I have to live without many things i wish i could have. For example, buy more books and tools for my craft. Thank goodness I always see the bright side of it since one added benefit of less consumption is giving the planet a break. I always thought that investing was for people who had lots of money and could afford to hire financial advisors. I'll look up your suggestion. Thanks.

@timkosse6080 2 года назад

Thrift stores and Better World Club for books!

@timkosse6080 2 года назад

Oops, I meant Better World Books!

@evasochocki5209 2 года назад

These are excellent tips, and so simple. Thank you. Very helpful.

@ErikHaanVincent 2 года назад

Making coffee at home has been a consistent money saver for me. I always drink iced coffee, so I bought an insulated 24-ounce stainless steel travel mug with stainless steel straw. I also bought a glass pitcher. My wife likes hot coffee, so she makes a fresh pot daily but makes more than she needs. We pour the leftover into my pitcher and put it in the fridge, so I have iced coffee every day. We set up the coffee machine at night and use it's "Delay Brew" function to start the machine in the morning. I was spending ~ $4 / day on coffee. Now coffee out is a once-in-a-while treat.

@aleithea2715 2 года назад

Thanks again Joshua for a great video. I don’t use a credit card, I like to pay as I purchase. I did what you said and cancelled the emails that I didn’t want to receive. I appreciate your videos, they are always worth watching and heeding the advice offered.

@devon7584 2 года назад

Sending a box of clothes to ThredUp to sell. (I don't have FB.) Thanks for the motivation!

@simini1837 2 года назад

First time i have ever experienced a sponsored video from you. I am not saying this is bad but i was wondering why this change.

@sunshine3914 2 года назад

Maybe he uses the app? Or maybe it was a social experiment?

@michelleg1905 2 года назад

Great advices!! My husband and I only eat out during the weekends either sat or sun. The other days i meal plan and we eat at home. It has saved us a lot of money!!

@cindylou3317 2 года назад

Great tip!!!

@rightmindset- 2 года назад

Videos on financial advice I find so helpful 💜💜💜

@lydialutz 2 года назад

I like the one week without spending idea. Anybody can do that even if they have never tried something like that before. Personally, I have been doing 1 or 2 no.spend months per year. But sometimes I avoid doing them because a month seems long. If I did more no.spend weeks, it could do the same thing as my no.spend months. I am going to aim for 1 no.spend month per year and at least 5 no.spend weeks. Thank you!

@evelynburley6106 2 года назад

If only my granddaughter could learn these steps to a better life ..

@sandramaki7819 2 года назад

Such great advice! Thanks so much Joshua 💚💚💚

@lizvardon5357 2 года назад

Thank you Joshua Becker. I learn something listening to every You Tube video. Always!

@melindasalinas1821 2 года назад

Thank you. This video was so timely and helpful! 🌟👍

@jo-annemurphy2921 2 года назад

That Einstein quote really got me!

@marystackpole118 2 года назад

Invaluable info!!!♥️THANK YOU!!!

@jlpeters8260 2 года назад

Thanks for making it all seem doable. I definitely appreciate the new information and the reminders. Bless you and your family in this new year!

@joanne3059 2 года назад

Amazing and reinforced video, thank you. Everyday we can make a difference making our lives better. Baby steps really work. Thank you for your commitment and passion. Great hair by the way. Blessings.

@andrewharald88 2 года назад

Hello

@juliacarey7149 2 года назад

I have no debt except my mortgage. I refinanced last year for a lower interest rate, but only borrowed the amount I owed. I'm almost 70 years old. I don't want to pay extra on that bill. I may not live long enough to pay it off, so I'd rather hold onto the extra money for more important things.

@anitas5817 2 года назад

These suggestions are fabulous!! Thank you so much. I definitely got a few ideas I will really do!

@nikkihobson5632 2 года назад

Thanks for the Marketplace suggestion. we are selling a truck and I forgot to list it there. All these suggestions are good.

@marykd11 2 года назад

Love this suggestions! Emptied my cart!

@victoriamuir8988 2 года назад

Five minutes before I started watching this video I had just finished reviewing my Amazon order history. It’s an eye opener

@rachelenochs4685 2 года назад

Just emptied out my Amazon cart...great tip! Most likely won't remember what was in there 👍

@joannekerr8839 2 года назад

This was a great video - thank you

@cesaredo 2 года назад

Great video! It will be great to have subtitles in your next videos. Just if it is possible for you

@donoghsgirl 2 года назад

Signed up! Thanks!

@thebusybees2006 2 года назад

Thank you !

@pigletsbank437 2 года назад

Cancelled getting advertisement flyers in my mail years ago... Still had some emails from some stores, but I cancelled the annoying/ unnecessary ones just afther watching your video. Only kept the one that's saving me big time for special items for food allergies. Every now and then it's 1+1 free. I need the flower to bake bread anyway..

@blackvulturemusic4080 2 года назад

Awesome as always!

@connieclark1288 2 года назад

Good stuff. Thanks.

@asdf7711 2 года назад

I know exactly how much I spent on Amazon last year: zero.

@thatswhatisaid8908 2 года назад

Oh, VERY well done!

@joannhaun6599 2 года назад

Yep, I shop locally, not online.

@sarapawsonherrington2595 2 года назад

Excellent ideas! I love the one about compound interest, and have heard it before. I am frustrated by those who don't "get it"... Thank you for the tips! Especially the one on stocks!

@rcdriver107 2 года назад

Watching this video makers me glad that I pay more than the minimum payment to solve the problem of debt for good...

@michav.4663 2 года назад

Excellent video 📹 👏🏽 👍🏽

@angelsands1868 2 года назад

Thank you.

@ivsportiv 2 года назад

I only have one creditcard that I only use for emergency situations or to book vacations. And that creditcard doesn’t have credit but gets paid in total by the beginning of the month.

@heliamartins3378 2 года назад

Hi Joshua !! Thanks 🙏

@cozzy8910 2 года назад

Emptying the cart has been my recent habit, today i like it but in later of thinking i realize i dont. It helps really.

@carolomer4171 2 года назад

Great ideas! Oh, that darn Amazon account! They make it so easy!

@ErikHaanVincent 2 года назад

They offer a great service. They sell seemingly everything and orders usually arrive within a day or two. That's why they're my go-to for holiday shopping. Amazon isn't the problem. The problem is if we have a "spend-crazy" mindset Amazon is like an addictive drug.

@eddiestilll 2 года назад

telling yourself to spend nothing next week is sucha powerful one! :)

@sunshine3914 2 года назад

When I was saving for a down payment on a house, back in the 90s, I’d only take $3 with me all week. Convinced myself that was all the money I had... which was easy, cause I was used to not having any.

@lexluong8155 2 года назад

Already do these things. But great list. My wife does the groceries though and I can't control what she buys. Buy I do invest a lot in stocks, retirement funds and sell used items on Ebay. I just cancelled my last video subscription in January. Besides RU-vid which avoids me watching ads.

@Myworldmymind908 2 года назад

Phenomenal video

@livingjacqueline 2 года назад

Great advice about making a small investment. Sadly, Robinhood don't accept applications from outside of the U.S. Do you know of any that would be good outside of the U.S.?

@marie-evechartrand9732 2 года назад

I had to make some hard choices, but I did it. I cancelled a couple of subscriptions I was clinging to out of principles. Thank you. :)

@ninak8506 2 года назад

Excellent

@janicelovett5457 Год назад

Each month we have a specific amount of money transferred from our checking to our savings account. We only use that for emergencies or big purchases we really need. Also my husband and I have to discuss why we need to use that savings before we withdraw it. Otherwise we know that we would probably just use that up on things that weren’t really necessary if it was in the checking account.

@maryanngulotta900 2 года назад

Good reminder! Thank you!

@nanny5217 2 года назад

I’m trying hard to pay credit card debt. I’m down two! Almost three, but I have medical bills too.

@monikavarro2020 2 года назад

Hi Joshua! Great video! 😃

@ellathepug 2 года назад

All the little things add up to saving money!

@starsofwords5718 2 года назад

Hi Joshua, My daughter is 2+ I m addicted to buying books for her n myself. Suggest something so that I can control my book buying.

@stamps4fungin 2 года назад

I'm going to try Robinhood

@rubyus7332 2 года назад

Already! 👍

@DeborahCaldwell77 2 года назад

I’ll sell that Handsome desk that is in the guestroom. Yes. Thank you

@scottgould6590 2 года назад

What do you think about the idea pay yourself first? Ive been putting away 10% of my income, before anything else, no matter what, and not touch it.

@sunshine3914 2 года назад

I had an aunt who couldn’t recommend that enough, she was well-set when she passed at 97.

@RosieJanie 2 года назад

Buying shares - hi and thanks for this video. I’m in the Uk so this app isn’t available to me. Do you know of a UK equivalent app?

@JoshuaBecker 2 года назад

I don’t, sorry about that.

@RJ-hx5nb 2 года назад

Thank you ~~~~~~~~

@stevekerp1 2 года назад

How about "ten things you can do to get your spouse onboard"? I appreciate and agree with much of your content, and have actually been a minimalist for several years, and before I found your channel. But my lovely and gracious wife is comfortable with lots of stuff, lots of clutter, clothes that are never worn, shoes that don't fit and so forth. She has good intentions but always says she is "too busy" to go through her stuff. I send her links to your videos so she has the content, sees (presumably) the advantages, but can't seem to take action. Could you address this?

@ErikHaanVincent 2 года назад

If your wife is anything like mine, she doesn't like to be preached to. (I actually think that's true of most people). I recommend being gracious and allowing them space to be inspired - on their own - to a minimalist approach. If you just do your minimalist thing and don't push she might see something you're doing which she sees is working for you and might apply to her, too. Sit back, be comfortable in being a minimalist yourself, and let her come to you with questions.

@MariaCristina1234 Год назад

Where is the link below where you can sign up😅

@jenniferdean4948 2 года назад

Invest, yes, but right now all stocks are dropping and there may be more loss than gain for awhile

@m.c.3541 2 года назад

Thanks Joshua - I just watched and cancelled subscription, checked Amazon, oh no....I cannot believe what I spent last year, oh boy - I'm going through the rest of your list right away. Umm no spend week next week.

@frantucker608 2 года назад

haha, you read my mind!

@dennisevers3421 2 года назад

Love all your other videos but promoting Robinhood and their practices is a big no for me, trading apps in general should be considered a higher risk and Robinhood is a terrible company (please do your research before going in to business with them).

@CR-pf1es 2 года назад

Dennis ~ like what do you mean 'do your research? ~ you mean learn about stocks before investing? ~ stocks and crypto are so daunting to me!

@danzeni 2 года назад

👏🏻👏🏻👏🏻

@neilschipper3741 2 года назад

Here's a way to cut expenses, go on Social Security! I did and am able to save money every month. Not much, but a penny saved is a penny earned! Going to take my penny's and buy a stock. Thanks for the advice!

@Sabiha-30 2 года назад

Joshua is putting his foot down in this video! But definitely needed! 😅 😂

@ss-mu3xn 2 года назад

OH MY GOD!! I thought u were Nate O'Brien

@ss-mu3xn 2 года назад

U look just like him, thats crazy. Its like him in the future.

@JoshuaBecker 2 года назад

That is a comparison I have not heard before.

@ritabutler1951 11 месяцев назад

I increased the amount of my car payment. Goal? It’s paid off next year.

@pj8761 2 года назад

Another interesting video. I like some of the ideas here, and already utilize some. Honestly, some of them simply boil down to a principal truth about financially successful or "wealthy" people. They want to make money, but they don't want anyone else to. Basically cancelling or shutting down every possible service or purchase seems like a great strategy for YOU to cut costs, but what about everyone else trying to live within our Capitalist economy ? Again, I think the better answer is a balance and middle ground for savings vs expenditures. Challenging or opposing every possible $1 of every transaction every day is no way to go thru life, and not a recipe for a healthy economy for EVERYONE (rich/poor/diminished middle class).

@lorivybihal5385 2 года назад

what about milk and bread?

@rhondahoffman3719 2 года назад

How do you recommend transfer of payment and item when selling the item on Facebook Marketplace?

@sheila3936 2 года назад

If you’re not comfortable giving your address you can do a meet up at a public place like a shopping centre or the police station parking lot. I often receive money through e-transfer and can leave the item out for porch pickup-we live in a very safe area with no porch pirates mind you.

@rhondahoffman3719 2 года назад

@@sheila3936 which e transfer service

@sheila3936 2 года назад

@@rhondahoffman3719 it’s just through our banks. I give the buyer my email and they send an electronic transfer from their bank. I get an email to either initiate or confirm deposit into my account.

@mariaboulukos2736 2 года назад

Most ppl like PayPal.

@CR-pf1es 2 года назад

@@sheila3936 this doesnt sound right!! ~ paying thru emails? ~~ sounds like scamming to me

@nandhinic1902 Год назад

Kindly do shorts videos and post in RU-vid sir

@lindseymakes5364 2 года назад

After seeing my unread messages grow and grow… I started slowly unsubscribing… what a difference! Now, I get less email alerts, don’t miss important things (Appt reminders) and when I do get a ad, I open and unsubscribe quickly. Mentally it feels soooo good! Facebook is the EASIEST way to sell things. I’ve gotten rid of so much stuff- baby stuff sells best/fastest. I’ll even flip things I find on the side of the road on trash day.

@olivia9066 2 года назад

👍❤️❤️❤️

@vickithress 2 года назад

I found 3 marketing emails to unsubscribe from. Great suggestions!

@thehomemakersblog23 2 года назад

I disagree that if you are struggling to save you should invest $50 instead. It's more important to have cash money in savings to access in an emergency first rather than money in the stock market which is more at risk of being lost.

@sharonche5042 2 года назад

That's very sound advice 👍

@CR-pf1es 2 года назад

I don't know why stocks seem like 'gambling $' to me!

@thehomemakersblog23 2 года назад

It kind of is because there's no guarantee that you will get your money back. If you're very risk adverse, stocks are not a good idea.

@Vesania3 2 года назад

I wish in my country you could invest like USA... Here you HAVE to invest through a broker and obviously pay them, aghhh

@greenbanglatv7096 2 года назад

Help me?

@samfdsd2134 2 года назад

cancle one or more subscription you watch the least? You'r right, but don't worry, I won't cancle your channel!

@elcehl 2 года назад

Mayo Clinic ‼️

@tromzinck 2 месяца назад

Investing in stocks = investing in consumerism and everything you advocate against... Hope that too many people will not find this channel and still overspend so you can get a good ROI... Or am I the one misunderstanding something here 🤔

@sarahlockridge7879 2 года назад

How about you don't have a credit card.

@ErikHaanVincent 2 года назад

I have one to hide gift purchases from my wife. And my wife and I have a joint one to accrue rewards points with. But we pay off the balance, in full, each month.