To those who are borrowing some amount from others, they have the responsibility to pay the amount they borrowed. While some people pays or receive the money anytime, Filipinos believe that one should not borrow money on the first hour of the day because he might have bad luck for the rest of the day, first day of the week because people who lend him their money will look for him the whole week, first day of the month because he might experience the same reasons in the whole month, and first day of the year because he might become needy and might borrow amount in a lot of times in that certain year. They also believe that paying or receiving payments for borrowed money at night can bring bad luck.