When the Messenger of Allah [SAW] supplicated, he would say: "Allahumma inni a'udhu bika minal-hammi, wal-hazani, wal-'ajzi, wal-kasali, wal-bukhli, wal-jubni, wad-dala'id-daini, wa ghalabatir-rijal (O Allah, I seek refuge with You from worry, grief, incapacity, laziness, miserliness, cowardice, difficult debt and being overpowered by men.)"
"The Messenger of Allah [SAW] often used to seek refuge (with Allah) from debt and sin. I said: 'O Messenger of Allah, how often you seek refuge from debt!' He said: 'Whoever gets into debt speaks and lies, and makes a promise and breaks it.'"
"I came to the Prophet [SAW] and said: 'O Prophet of Allah, teach me words by which I may seek refuge (with Allah).' He took me by the hand then said: 'Say: A'udhu bika min sharri sam'i, wa sharri basari, wa sharri lisani, wa sharri qalbi, wa sharri mani (I seek refuge in You from the evil of my hearing, the evil of my seeing, the evil of my tongue, the evil of my heart, and the evil of my sperm),' until I had memorized it." Waki' contradicted him in the wordings.
It was narrated from Shutair bin Shakal bin Humaid, that his father said:
"I said: 'O Messenger of Allah, teach me a supplication from which I may benefit.' He said: 'Say: Allahumma 'afini min sharri sam'i, wa basari, wa lisani, wa qalbi, wa min sharri mani (O Allah, protect me from the evil of my hearing, my seeing, my tongue and my heart, and from the evil of my sperm.)'" - Meaning sexual organ.
"Humaid narrated: 'Anas - bin Malik - was asked about the torment of the grave and about the Dajjal. He said: "The Prophet of Allah [SAW] used to say: Allahumma, inni a'udhu bika minal-kasali, wal-harami, wal-jubni, wal-bukhli, wa fitnatid-dajjali, wa 'adhabil-qabr (O Allah, I seek refuge with You from laziness, old age, cowardice, stinginess, the tribulation of the Dajjal and the torment of the grave.)'"
"I will not teach you anything but that which the Messenger of Allah [SAW] used to teach us. He said: 'Allahumma inni a'udhu bika min al-'ajzi wal-kasali, wal-bukhli, wal-jubni, wal-harami, wa 'adhabil-qabri, Allahumma ati nafsi taqwaha, wa zakkiha anta khairu min zakkaha, anta waliyyuha wa mawlaha. Allahumma inni a'udhu bika min qalbin la yakhsha'u wa min nafsin la tashba'u wa 'ilmin la yanfa'u wa da'watin la yustajabu laha (O Allah, I seek refuge in You from incapacity, laziness, miserliness, cowardice, old age, the torment of the grave. O Allah, make my soul obedient and purify it, for You are the best One to purify it, You are its Guardian and Lord. O Allah, I seek refuge in You from a heart that is not humble, a soul that is not satisfied, knowledge that is of no benefit and a supplication that is not answered.)"
The Prophet of Allah [SAW] said: "Allahumma inni a'udhu bika min al-'ajzi, wal-kasali, wal-bukhli, wal-jubni, wal-harami, wa 'adhabil-qabri, wa fitnatil-mahya wal-mamat (O Allah, I seek refuge in You from incapacity, laziness, miserliness, cowardice, old age, the torment of the grave and the trials of life and death.)"
The Messenger of Allah [SAW] used to say: "Allahumma, inni a'udhu bika minal-faqri wa a'udhu bika min al-qillati wadh-dhillati, wa a'udhu bika an azlima aw uzlam (O Allah, I seek refuge with you from poverty, I seek refuge with You from want and humiliation, and I seek refuge with You from wronging others or being wronged.)" Al-Awza'I contradicted him.
From the Prophet [SAW], that he used to say: "Allahumma inni a'udhu bika minal-qillati wal-faqri, wadh-dhillati wa a'udhu bika min azlima aw uzlam (O Allah, I seek refuge with You from want, poverty and humiliation, and I seek refuge with You from wronging others or being wronged.)"
He heard his father say following the prayer: "Allahumma inni a'udhu bika minal-kufri wal-faqri, wa 'adhabil-qabri (O Allah, I seek refuge with You from Kufr, poverty and the torment of the grave.)" I started to recite them and he said: "O my son, where did you learn these words?" I said: "O my father, I heard you saying this supplication at the end of the prayer, and I learned them from you." He said: "Continue to recite them, O my son, for the Prophet of Allah [SAW] used to say this supplication at the end of the prayer."
"The Messenger of Allah [SAW] often used to say these words in his supplication:
'Allahumma, inni a'udhu bika min fitnatin-nari, wa 'adhabin-nari, wa fitnatil-qabri, wa 'adhabil-qabr, wa sharri fitnatil masihid-dajjal, wa sharri fitnatil-faqri, wa sharri fitnatil-ghina. Allahummaghsil khatayaya bima'ith-thalji wal-baradi wa anqi qalbi minal-khataya kama anqaitath-thawbal-abyada min ad-danasi, wa ba'id baini wa baina khatayaya kama ba'adta bainal-mashriqi wal-maghrib. Allahumma inni a'udhu bika min al-kasali wal harami, wal ma'thami wal-maghram
(O Allah, I seek refuge with You from the tribulation of the Fire and the torment of the Fire, from the tribulation of the grave and the torment of the grave, from the evil of the tribulation of the Al-Masihid-Dajjal, from the evil of the tribulation of poverty and from the evil of the tribulation of richness. O Allah, wash away my sins with the water of snow and hail, and cleanse my heart from all the sins as you would cleanse white garment from the filth, and put a great distance between me and my sins, as great as the distance You have made between the East and the West. O Allah, I seek refuge in You from laziness, old age, sin and debt.)'"
"The Messenger of Allah [SAW] used to say: 'Allahumma inni a'udhu bika min al-arba': min 'ilmin la yanfa'u, wa min qalbin la yakhsha'u, wa min nafsin la tashba'u, wa min du'a'in la yusma'u (O Allah, I seek refuge in You from four: From knowledge that is of no benefit, from a heart that is not humble, from a soul that is not satisfied and from a supplication that is not answered.)'"
"The Messenger of Allah [SAW] said: 'Allahumma inni a'udhu bika minal-ju'I, fa innahu bi'sad-daji'u, wa a'udhu bika minal-khiyanati, fa innahu bi'satil-bitanah (O Allah, I seek refuge in You from hunger, for it is a bad companion, and I seek refuge with You from treachery, for it is a bad thing to hide in one's heart.)'"
"The Messenger of Allah [SAW] used to say: 'Allahumma inni a'udhu bika minal-ju'i, fa innahu bi'sad-daji'u, wa a'udhu bika minal-khiyanati, fa innahu bi'satil-bitanah (O Allah, I seek refuge in You from hunger, for it is a bad companion, and I seek refuge with You from treachery, for it is a bad thing to hide in one's heart.)'"
The Prophet [SAW] used to say these supplications: "Allahumma inni a'udhu bika min 'ilmin la yanfa'u, wa qalbin la yakhsha'u, wa du'a'in la yasma'u, wa nafsin la tashba'u. (O Allah, I seek refuge with You from knowledge that is of no benefit, a heart that is not humble, a supplication that is not heard and a soul that is not satisfied.)" Then he would say: 'Allahumma inni a'udhu bika min ha'ula'il-arba' (O Allah, I seek refuge with You from these four.)'"
"The Messenger of Allah [SAW] used to say in his supplication: 'Allahumma inni a'udhu bika minash-shiqaqi wan-nifaqi, wa suw'il-akhlaq (O Allah, I seek refuge with You from opposing the truth, hypocrisy and bad manners.)'"
"The Messenger of Allah [SAW] often used to seek refuge (with Allah) from debt and sin. It was said to him: 'O Messenger of Allah! You often seek refuge from debt and sin?' He said: 'If a man gets into debt, he speaks and lies, and he makes a promise and breaks it.'"
Chapter 23: Seeking Refuge from Debt - كتاب الاستعاذة
أَخْبَرَنَا مُحَمَّدُ بْنُ عَبْدِ اللَّهِ بْنِ يَزِيدَ، قَالَ حَدَّثَنَا أَبِي قَالَ، حَدَّثَنَا حَيْوَةُ، وَذَكَرَ، آخَرَ قَالَ حَدَّثَنَا سَالِمُ بْنُ غَيْلاَنَ التُّجِيبِيُّ، أَنَّهُ سَمِعَ دَرَّاجًا أَبَا السَّمْحِ، أَنَّهُ سَمِعَ أَبَا الْهَيْثَمِ، أَنَّهُ سَمِعَ أَبَا سَعِيدٍ، يَقُولُ سَمِعْتُ رَسُولَ اللَّهِ صلى الله عليه وسلم يَقُولُ " أَعُوذُ بِاللَّهِ مِنَ الْكُفْرِ وَالدَّيْنِ " . قَالَ رَجُلٌ يَا رَسُولَ اللَّهِ أَتَعْدِلُ الدَّيْنَ بِالْكُفْرِ فَقَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم " نَعَمْ " .
Abu Sa'eed said:
"I heard the Messenger of Allah [SAW] say: 'A'udhu billahi minal-kufri wad-dain. (I seek refuge with Allah from Kufr and debt.)' A man said: 'O Messenger of Allah, are you equating debt with Kufr?' The Messenger of Allah [SAW] said: 'Yes.'"
The Prophet [SAW] said: "A'udhu billahi minal-kufri wad-dain. (I seek refuge with Allah from Kufr and debt.)" A man said: "Are you equating debt with Kufr?" He said: "Yes."
It was narrated from 'Abdullah bin 'Amr bin Al-'As that:
The Messenger of Allah [SAW] used to say these words in his supplication: "Allahumma inni a'udhu bika min ghalabatid-dain, wa ghalabatil-'aduwwi, wa shamatatil-a'da'. (O Allah, I seek refuge with You from being overwhelmed with debt, from being overpowered by the enemy and from the enemy rejoicing over my misfortunes.)'"
"The Prophet [SAW] used to say: 'Allahumma inni a'udhu bika minal-hammi wal hazani, wal-kasali, wal-bukhli, wal-jubni, wa dala'id-dain, wa ghalabatir-rijal (O Allah, I seek refuge with You from worry, grief, laziness, miserliness, cowardice, difficult debt and being overpowered by men.)'"
"The Messenger of Allah [SAW] used to say: 'Allahumma inni a'udhu bika min 'adhabil-qabri, wa fitnatin-nar, wa fitnatil-qabr, wa 'adhabil-qabr, wa sharri fitnati masihid-dajjali wa sharri fitnatil-ghana', wa sharri fitnatil-faqri. Allahummaghsil khatayaya kama naqqaitath-thawbal-abyada minad-danas. Allahumma inni a'udhu bika minal-kasali walharami wal-maghrami wal-ma'tham (O Allah, I seek refuge with You from the torment of the grave, the tribulation of the Fire, the tribulation of the grave and the torment of the grave, the evil of the tribulation of Masihid-Dajjal, the evil of the tribulation of richness and the evil of the tribulation of poverty. O Allah, wash away my sins with water of snow and hail, and cleanse my heart of sin as a white garment is cleansed of filth. O Allah, I seek refuge with You from laziness, old age, debt and sin.)'"