Abu Sa’īd al-Khudrī (may Allāh be pleased with him) reported: “One day Allāh’s Messenger (peace and blessings upon him) entered the Mosque. There he saw a man from the Ansār (inhabitant of the blessed city of Madīnah) who was known as Abū Umāmah (in a state of grief). The Prophet (peace and blessings upon him) asked Abū Umāmah (may Allāh be pleased with him): “Why is it that I am seeing you sitting in the mosque when it is not the time of prayer?”, Abū Umāmah (may Allāh be pleased with him) said: “I’ve become entangled in sorrow and debts”. The Prophet Muhammad (peace and blessings upon him) replied: “Shall I inform you of a prayer by which, if you recite, Allāh will remove your sorrow and settle your debts?”. Abū Umāmah said: “Yes, O Messenger of Allāh”. The Prophet Muhammad (peace and blessings upon him) said: “Recite the following prayer every morning and evening:
اللَّهمَّ إنِّي أعوذُ بِكَ منَ الهمِّ والحزنِ ، وأعوذُ بِكَ منَ العَجزِ والكسلِ ، وأعوذُ بِكَ منَ الجُبنِ والبُخلِ ، وأعوذُ بِكَ من غلَبةِ الدَّينِ ، وقَهْرِ الرِّجالِ
I seek Your protection against worry and grief, from incapacity and laziness, from cowardice and selfishness, from overwhelming indebtedness and the subjugation of people.”
Abū Umamah (may Allāh be pleased with him) continues on to say: “When I performed what Allāh’s Messenger (peace and blessings upon him) had advised me to do, I was cured of the distress I was facing and my debts were settled.” (Abū Dāwūd: 1555)
اللهمَّ اكْفِنِي بِحَلِالِكَ عَنْ حرامِكَ ، وأغِنِني بِفَضْلِكَ عَمَّنْ سواك
(O Allāh, suffice me with what You have permitted, so I may have no need to take that which You have forbidden, and make me independent by means of Your bounty, so I do not depend on anyone besides You).
and also read: لا إلهَ إلَّا أنتَ سبحانَك إنِّي كنتُ منَ الظَّالمينَ