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.