The Prophet صلى الله عليه وسلم went into the mosque one day and found Abu Umaamah,رضي الله عنه, and said: “O Abu Umaamah! Why do I see you sitting in the mosque when it is not prayer time?” Abu Umaamah,رضي الله عنه, replied: “I have been overtaken by worries and grief and overburdened by debts that I owe.” So the Prophet صلى الله عليه وسلم said: “Shall I teach words which will take away your worries and by which Allaah will help you repay your debts, if you were to say them?” Abu Umaamah, رضي الله عنه replied: “Yes! O Messenger of Allaah.” Thereupon, the Prophet صلى الله عليه وسلم said: “Every morning and every evening say, O Allah! I seek refuge in you from worries and grief, from helplessness and laziness, from cowardice and miserliness, from the burden of debts and from the oppression men.” After this, Abu Umaamah, رضي الله عنه, said: “I did this and Allaah relieved me of my worries and griefs and helped me repay my debts.”

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَ الْحَزَنِ وَ أَعُوذُ بِكَ مِنَ العَجْزِ وَ الْكَسَلِ
وَ أَعُوذُ بِكَ مِنَ الْجُبْنِ وَ الْبُخْلِ وَ أَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ و قَهْرِ الرجال