Abu Dawud Book 2, Hadith Number 1550.

Chapter : Seeking refuge in allah.

Narated By Abu Sa’id al-Khudri : One day the Apostle of Allah (PBUH) entered the mosque. He saw there a man from the Ansar called Abu Umamah.

He said: What is the matter that I am seeing you sitting in the mosque when there is no time of prayer?

He said: I am entangled in cares and debts, Apostle of Allah.

He replied: Shall I not teach you words by which, when you say them, Allah will remove your care, and settle your debt?

He said: Why not, Apostle of Allah?

He said: Say in the morning and evening: “O Allah, I seek refuge in Thee from care and grief, I seek refuge in Thee from incapacity and slackness, I seek refuge in Thee from cowardice and niggardliness, and I seek in Thee from being overcome by debt and being put in subjection by men.”

He said: When I did that Allah removed my care and settled my debt.