I would optimise this clause.
where user_Id=a.user_Id and month(paid_Date)=MONTH(a.paid_date) and year(paid_Date)=year(a.paid_date))
I would create a new field
paid_Month
containing
yyyymm
from
paid_Date
in each table.
Then change the clause to:
where user_Id=a.user_Id and paid_Month=a.paid_Month