((اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ)).

allahuma iiniy aa'uwdhu bika mina alhami waalhazani waal'ajzi waalkasali waalbukhli waaljubni wadala'i aldayni waghalabahi alrijaali.

(O Allah, I take refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men.)

(Allahumma innee aAAoothu bika minal-hammi walhuzn, walAAajzi walkasal, walbukhl, waljubn, wadalAAid-dayni waghalabatir-rijal)