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Supplication for Protection from Laziness, Sadness, and Debt

اَللّٰهُمَّ إِنِّى أَعُوْذُبِكَ مِنَ الْهَمِّ وَالْحَزْنِ وَأَعُوْذُبِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوْذُبِكَ مِنَ الْجُبْنِ وَالْبُخْلِ وَأَعُوْذُبِكَ مِنْ غَلَبَتِ الدَّيْنِ وَقَهْرِ الرجال
allahumma inni a'udhu bika minal-hammi wal-hazan. wa a'udhu bika minal-'ajzi wal-kasal. wa a'udhu bika minal-jubni wal-bukhl. wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal
O Allah, I seek refuge in You from anxiety and grief, and I seek refuge in You from incapacity and laziness, and I seek refuge in You from cowardice and miserliness, and I seek refuge in You from being overpowered by debt and from being overcome by men.
Abu Umamah then narrated: After I practiced this supplication, Allah truly removed my anxiety and gave me the ability to repay my debt.
Source: HR. Abu Dawud No. 1555
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