Dua for beginning and ending a session of remembrance

Bismillahir Rahmanir Raheem
(In the name of God the All Compassionate the All Merciful).

Innal hamda lillah nahmaduhu wa nasta’eenuhu wa nastaghfiruhu wa na’oodhu billahi min shuroori anfusinaa wa min sayyi-aati a’maalinaa; man yahdillahu falaa mudilla lah, wa man yudlil falaa haadiya lah; wa ash-hadu allaa ilaaha illa Allahu wahdahu laa shareeka lah, wa ash-hadu anna Muhammadan ‘abduhu wa rasooluh.

(Verily all praise is for Allah, we praise Him and seek His aid and ask for His forgiveness and we seek refuge with Allah from the evils of ourselves and our evil actions. Whomever Allah guides there is none who can misguide him, and whomever Allah misguides there is none who can guide him, and I bear witness that none has the right to be worshiped except Allah alone, having no partner, and I bear witness that Muhammad is His slave and His Messenger).

Prayers to pay off debts

اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ
وَأَغْنِنِي بِفَضْلِك عَمَّنْ سِوَاكْ

Allaahummak-finee bihalaalika an’ haraamika wa aghninee bifadhlika ‘amman siwaaka
“O Allah, save me from haraam and make the halaal sufficient and by your boon/favour make me independent from others”.
These words were spoken by Ali (R.A.) taught by Prophet Mohammad (SAW.) when a person expressed a shortfall in his wealth to Ali (R.A.) he said: “Shall I not show you what Prophet Mohammad (SAW) taught me, even if there is a debt equal to that of a huge mountain then Allah will pay it”. Ali (R.A.) then recited the above dua.

Abu Saeed Kudri (R.A.) narrates that once a person mentioned to Prophet Mohammad (SAW.) that he was concerned about his major debts. Prophet Mohammad (SAW.) replied “Shall I not show you those words by saying which Allah will remove your concern and pay your debts?” The person asked “What is it, O Messenger of Allah?” Prophet Mohammad (SAW.) told him to recite the following morning and evening:

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ
وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ
بِكَ مِنَ الْبُخْلِ وَالْجُبْنِ وَأَعُوذُ بِكَ مِنَ
غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

Allaahumma innee a’oothu bika minal-hammi walhazani, wal’ajzi walkasali, walbukhli waljubni, wa dhala id-dayni wa ghalabatir-rijaali
“O Allah I seek refuge in You from worry and grief, I seek refuge in You from hopelessness and laziness, I seek refuge in You from miserliness and cowardice and I seek refuge in You from overwhelming debt and from the force of men”.
The person stated that he recited this dua and Allah removed all his worries and debts.
(Abu Dawood)

Recite this frequently for the last ten days of Ramadan

As Salam Alaykum,

Prophet Muhammad (saw) remind us to recite this verse to seek for the forgiveness during this holy month.

“Allahumma inanak afuwun kareem tu hibu afwa fa-affuhanna” at your daily salat throughout remaining 9 days.

“Allahuma fagfirly warhamny wa anta keyru Raahimiin” at your daily salat throughout remaining 9 days.

Ramadan Kareem!!! Ramadan Mubarak!!! Ramadan Kareem!!!