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”.
(Mishkat)
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.
(Tirmidhi)
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)