عَنْ أَنَسِ بْنِ مَالِكٍ رَضِيَ اللَّهُ عَنْهُ قَالَ كَانَ رَسُولُ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَآلِهِ وَسَلَّمَ يَتَعَوَّذُ مِنْ ثَمَانٍ الْهَمِّ وَالْحَزَنِ وَالْعَجْزِ وَالْكَسَلِ وَالْبُخْلِ وَالْجُبْنِ وَغَلَبَةِ الدَّيْنِ وَغَلَبَةِ الْعَدُوِّ
It is narrated from Sayyiduna Anas (may Allah be pleased with him) that the Messenger of Allah (peace and blessings be upon him and his family) used to seek refuge from these eight things: grief, sorrow, incapacity, laziness, miserliness, cowardice, the burden of debt, and the dominance of the enemy.