There is no refund.

"Imagine there is a bank account that credits your account each morning with $86400. It carries over no balance from day to day. Every evening, the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out every cents of course? Each of us has such a bank. Its name is TIME. Every morning it credits you with 86400 seconds. Every night, it writes off as lost, whatever of these you have failed to invest to a good purpose. It carries over no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day's deposit, the loss is yours. There is no drawing against 'tomorrow'. You must live in the present of today's deposit. Invest it so as to get from it the utmost in health, happiness and success. The clock is running. Make the most of today."

credits : Hanis Zalikha