اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
O Allah, I seek refuge in You from worry and grief, 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 overwhelming of debt and the overpowering 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 ghalabatid-dayni wa qahrir-rijali.
When to Read
This powerful dua is excellent to recite regularly, especially when facing financial hardship, mounting debt, or feelings of being overwhelmed. It's particularly recommended to say it in the morning and evening, as it encompasses seeking refuge from various burdens that can weigh a person down, including debt.
How to Read
Recite this dua sincerely, with conviction in your heart that Allah is the ultimate source of relief. It's best to raise your hands as you supplicate, mimicking the Prophet's ﷺ actions. Focus on each phrase and its meaning, truly seeking Allah's protection and aid. Repeating it consistently, particularly after the obligatory prayers, amplifies its impact.
Virtues & Benefits
This supplication is a comprehensive seeking of refuge. By asking Allah to protect us from the 'overwhelming of debt and the overpowering of men,' we are directly addressing the anxieties and pressures associated with financial burdens. It acknowledges that debt can be a heavy burden, both financially and emotionally, and that sometimes the pressure from others can be unbearable. Seeking Allah's refuge in this manner is a proactive step towards finding relief, peace of mind, and practical solutions.
Source & Authentication
Narrated Anas bin Malik: The Prophet ﷺ used to say: "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 ghalabatid-dayni wa qahrir-rijali." (Sahih al-Bukhari 6369)