اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنْ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنْ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ.
O Allah, I seek refuge in You from anxiety and sorrow, I seek refuge in You from helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and the subjugation of men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhli, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal.
When to Read
This powerful dua can be recited anytime, but it's particularly beneficial to make it a regular practice, especially when facing financial worries or when feeling the temptation to overspend. Make it a part of your morning or evening remembrance (dhikr), or recite it specifically after prayers when your heart is most receptive.
How to Read
Recite this dua with sincere intention and focus, understanding the meaning of each phrase. Raise your hands slightly, as you would when making other duas. Believe in Allah's ability to relieve your burdens and guide your spending habits. It's best to say it after the obligatory prayers (Fardh salah), as the Prophet Muhammad ﷺ mentioned that duas made after Fardh prayers are answered.
Virtues & Benefits
This comprehensive supplication covers several aspects crucial for financial well-being. By seeking refuge from anxiety and sorrow, we protect our mental state, which is often impacted by debt. Shielding ourselves from helplessness and laziness helps us take proactive steps towards financial management and earning. Protection from cowardice and stinginess aids in making sound financial decisions – having the courage to seek help when needed, and the wisdom not to be overly attached to wealth (stinginess) that might lead to poor choices. Most directly, seeking refuge from the 'burden of debt' is a direct plea for Allah's intervention, and protection from 'the subjugation of men' can encompass the humiliation and control that overwhelming debt can impose. The Prophet Muhammad ﷺ himself used to frequently recite this dua, indicating its immense importance.
Source & Authentication
Anas (may Allah be pleased with him) narrated that the Prophet Muhammad ﷺ used to supplicate: 'Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika min al-jubni wal-bukhli, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal.' (Sahih al-Bukhari 6369)