اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْجُبْنِ وَالْبُخْلِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
O Allah, I seek refuge in You from grief and distress, from weakness and laziness, from cowardice and stinginess, and from the burden of debt and the overpowering of men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wal-'ajzi wal-kasali, wal-jubni wal-bukhl, wa dala'id-dayni wa ghalabatir-rijal
When to Read
Recite this dua when you are feeling overwhelmed by financial worries, specifically when struggling to meet obligations like rent or mortgage payments. It's a comprehensive supplication to seek Allah's protection from the emotional and practical burdens of debt and hardship.
How to Read
It's best to recite this dua with sincerity and conviction, especially during the times when you are feeling the weight of your financial difficulties. Raising your hands in supplication, as was the practice of the Prophet ﷺ, can enhance the feeling of earnestness. Ensure you understand the meaning of each phrase, focusing your heart on seeking Allah's help and refuge.
Virtues & Benefits
This dua is a powerful shield against the mental anguish (grief and distress), physical inertia (weakness and laziness), and character flaws (cowardice and stinginess) that can accompany financial struggles. By seeking refuge in Allah from the 'burden of debt' and 'overpowering of men,' you are directly addressing the core of your worries, asking for Allah to alleviate the pressure of your obligations and protect you from any overwhelming circumstances or people that might exacerbate your situation.
Source & Authentication
The Prophet Muhammad (peace be upon him) used to seek refuge in Allah with these words. **Arabic:** اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْجُبْنِ وَالْبُخْلِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ **Translation:** "O Allah, I seek refuge in You from grief and distress, from weakness and laziness, from cowardice and stinginess, and from the burden of debt and the overpowering of men." — Sahih al-Bukhari 6369