Ayan ang hirap pag mabait. Pautang ka nang pautang, hindi ka na nababayaran.

This list is made so you won’t have to end up in this scenario. You trusted someone and loaned them your money, now you need the money, but they’re not paying up.

You don’t need a friend who could do that to you.

Basta, ayun na nga, ingat-ingat sa pagpapautang, friend.