Abu Sa'id al-Khudri told of a man who said to God’s messenger that he was entangled in cares and debts. He replied, “Shall I not teach you words by which, when you say them, God will remove your care and settle your debt?” and when the man expressed a desire to hear them he told him to say morning and evening, “O God, I seek refuge in You from care and grief; I seek refuge in You from incapacity and slackness; I seek refuge in You from niggardliness and cowardice; I seek refuge in You from being overcome by debt and being put in subjection by men.” He said that when he did that God removed his care and settled his debt. Abu Dawud transmitted it.

وَعَنْ أَبِي سَعِيدٍ الْخُدْرِيِّ قَالَ: قَالَ رَجُلٌ: هُمُومٌ لَزِمَتْنِي وَدُيُونٌ يَا رَسُولَ اللَّهِ قَالَ: «أَفَلَا أُعَلِّمُكَ كَلَامًا إِذَا قُلْتَهُ أَذْهَبَ اللَّهُ هَمَّكَ وَقَضَى عَنْكَ دَيْنَكَ؟» قَالَ: قُلْتُ: بَلَى قَالَ:

قُلْ إِذَا أَصْبَحْتَ وَإِذَا أَمْسَيْتَ: اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحُزْنِ وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

. قَالَ: فَفعلت ذَلِك فَأذْهب الله همي وَقضى عَن ديني. رَوَاهُ أَبُو دَاوُد