Allāhumma 'innī 'a`ūdhu bika mina ‘l-ḥammi wa ‘l-ḥuzn, wa ‘l-`ajzi wa ‘l-kasal, wa ‘l-bukhli wa ‘l-jubn, wa ḍala`id-dayn, wa ghalabatir-rijāl. O Allah, I seek refuge in you from grief and sadness, from weakness and from laziness, from miserliness and from cowardice, from being overcome by debt and overpowered by men (i.e. others). Reference: Al-Bukhari 7/158. See also Al-Asqalani, Fathul-Bari 11/173.

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