اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَالْعَجْزِ وَالْكَسَلِ...

O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from miserliness and cowardice, from being heavily in debt and from being overpowered by other men.

لَا إِلَٰهَ إِلَّا اللَّهُ الْعَظِيمُ الْحَلِيمُ لَا إِلَٰهَ إِلَّا اللَّهُ رَبُ...

There is no deity except Allah, the Magnificent, the Forbearing. There is no deity except Allah, the Lord of the Magnificent Throne. There is no deity except Allah, the Lord of the heavens, the Lord of the earth, and the Lord of the Noble Throne.

إِنَّا لِلَّهِ وَإِنَّا إِلَيْهِ رَاجِعُونَ، اللَّهُمَّ أْجُرْنِي فِي مُصِيبَتِي...

Indeed we belong to Allah, and indeed to Him we will return. O Allah, reward me for my affliction and replace it for me with something better.