Bacalah Setiap Habis Shalat atau diwaktu siang dan petang
اللَّـــهُمَّ اِنِّى اَعُوْذُ بِكَ مِنَ الْحَـمِّ وَالْحَزَنِ , وَاَعُوْذُبِكَ مِنَ الْعَجْـِز وَاْلكَسَلِ ,
وَاَعُوْذُبِكَ مِنَ الْجُـبْنِ وَالْبُخْـلِ, وَاَعُوْذُبِكَ مِنْ غَلَبَتِ الدَّيْنِ وَقَـهْرِ الرِّجَالِ.
Artinya: Ya Allah aku berlindung kepada Mu dari rasa susah dan duka,
dan aku berlindung kepada Mu dari sifat lemah dan malas,
dan aku berlindung kepada Mu dari sifat pengecut dan kikir,
dan aku berlindung kepada Mu dari lilitan hutang dan musuh yang sewenang-wenang
Once, they came to Abu ad-Darda' while he was in the mosque, saying to him: "O Abu ad-Darda'! Your house has been burned down!" He replied: "By Allah, it has not been burned down." They said: "It has been burned ...down!" He replied: "By Allah, it has not been burned down." They went to see that the fire had consumed everything in the area, and had stopped right at Abu ad-Darda''s house, and he did not even get up to go see for himself. They came back and asked him: "What drove you to insist that it had not been burned down?" He replied: "The Messenger of Allah had taught me some words that, if I say them, I will not be stricken with any harm," - he is secure! - "'O Allah, I seek refuge with You from sadness and grief, and I seek refuge with You from inability and laziness, and I seek refuge with You from cowardliness and stinginess, and I seek refuge with You from being overpowered by debts and men,' so, I made this supplication."
In regards to this same supplication, Abu Umamah narrated: "I was sitting in the mosque, when the Messenger of Allah asked me: "What is wrong, Abu Umamah?" I replied: "I am in distress because of a debt that I owe." The Prophet then told me: "Supplicate with these words ('O Allah, I seek refuge with You from sadness and grief...')."