اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْكَسَلِ وَالْهَرَمِ وَالْمَأْثَمِ وَالْمَغْرَمِ
Allahumma inni a'udhu bika minal-kasali wal-harami wal-ma'thami wal-maghrami
O Allah, I seek refuge in You from laziness, senility, sin, and debt.
Four enemies of productivity and provision: laziness (the killer of ambition), old age that takes your faculties (loss of capacity), sin (which blocks barakah), and debt (which enslaves you to other humans). Aisha (RA) asked: "Why do you so frequently seek refuge from debt?" He said: "When a person is in debt, he speaks and lies, makes promises and breaks them." Debt corrupts your character.
Related Du'as
اللَّهُمَّ ارْزُقْنِي رِزْقًا حَلَالًا طَيِّبًا بِلَا كَدٍّ وَاسْتَجِبْ دُعَائِي بِلَا رَدٍّ
O Allah, provide me with lawful and good provision without hardship, and answer my supplication without rejection.
Hasanاللَّهُمَّ إِنِّي أَسْأَلُكَ مِنْ فَضْلِكَ وَرَحْمَتِكَ فَإِنَّهُ لَا يَمْلِكُهَا إِلَّا أَنْتَ
O Allah, I ask You for Your bounty and mercy, for none possesses them except You.
Hasanاللَّهُمَّ مَالِكَ الْمُلْكِ تُؤْتِي الْمُلْكَ مَنْ تَشَاءُ وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاءُ وَتُعِزُّ مَنْ تَشَاءُ وَتُذِلُّ مَنْ تَشَاءُ ۖ بِيَدِكَ الْخَيْرُ ۖ إِنَّكَ عَلَىٰ كُلِّ شَيْءٍ قَدِيرٌ
O Allah, Owner of Sovereignty, You give sovereignty to whom You will and take sovereignty away from whom You will. You honor whom You will and humble whom You will. In Your hand is all good. Indeed, You are capable of all things.
Sahihاللَّهُمَّ إِنِّي أَسْأَلُكَ خَيْرَ هَذَا الْيَوْمِ فَتْحَهُ وَنَصْرَهُ وَنُورَهُ وَبَرَكَتَهُ وَهُدَاهُ
O Allah, I ask You for the good of this day — its opening, its victory, its light, its blessing, and its guidance.
Hasan