# get @words and @data from somewhere
my $pattern = join '|', @words;
my @lines;
for (@data) {
	push @lines, $_ if /$pattern/;
}
# do something with @lines

##</code><code>##

for (@lines) {
	my @fields = split /,/;
	if ( $fields[2] eq '1' || $fields[2] eq '0' ) {
		print "THESE ARE THE>>$fields[4]\n" if /MONTHLY/ && !/,-,/;
	}
}

##</code><code>##

my $pattern = join '|', @words;
for (@data) {
	next unless /$pattern/;
	my @fields = split /,/;
	if ( $fields[2] eq '1' || $fields[2] eq '0' ) {
		print "THESE ARE THE>>$fields[4]\n" if /MONTHLY/ && !/,-,/;
	}
}