Bismillah Hir Rahman Nir Raheem Allahumma inni a’udhubika minal hammi wal hazan, wal ‘ajzi wal kasal, wal bukhli wal jubn,wa dhala’id-dayni wa ghalabatir rijaal 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 from being overpowered by men (other people) [Sahih al-Bukhari 7:158]