Hadith reported from Abu Dawood (ra)

The Messenger of Allah (saw) entered the mosque one day and saw an Ansari a resident of Madinah man there by the name of Abu Umaamah.

The Prophet p.b.u.h. asked him: ” O Abu Umaamah, why are you sitting in the mosque at a time that is not a prayer time?”

He replied: ‘I was forced to do so by sorrow and debt.’

The Messenger of Allah p.b.u.h. then asked: ‘Shall I teach you a supplication by which Allah will remove your sorrow and pay for you your debts?’

He answered: ‘O yes, Messenger of Allah!’ The Prophet (saw) then said: ‘Say every morning and evening:

اللّهُـمَّ إِنِّي أَعْوذُ بِكَ مِنَ الهَـمِّ وَ الْحُـزْنِ، والعًجْـزِ والكَسَلِ والبُخْـلِ والجُـبْنِ، وضَلْـعِ الـدَّيْنِ وغَلَبَـةِ الرِّجال

Allahumma innee a’oodhu bikka minal-hammi wal hazan, wa a’oodhu bika minal-‘ajzi wal-kasal wa a’oodhu bika minal-jubni wal-bukhul wa a’oodhu bika min ghalabatid-dayn wa qahrir-rijaal.’

Meaning: O Allah, I seek refuge with You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men.

Abu Umaamah said: ‘I did that and Allah removed my distress and paid for me my debt.'”