وَهَبْ لِيَ الْعَافِيَةَ مِنْ دَيْن تُخْلِقُ بِهِ وَجْهِي،

wa hab liya al-‘āfiyata min daynin tukhliqu bihī wajhī,

and grant me well-being from a debt by which my face is worn out,

وَيَحَارُ فِيهِ ذِهْنِي، وَيَتَشَعَّبُ لَهُ فِكْرِي،

wa yaḥāru fīhi dhihnī, wa yatasha‘‘abu lahū fikrī,

and my mind is confused therein, and my thought is scattered for it,

وَيَطُولُ بِمُمَارَسَتِهِ شُغْلِي،

wa yaṭūlu bi-mumārasatihī shughlī,

and my preoccupation with practicing it is prolonged.

وَأَعُوذُ بِكَ يَا رَبِّ مِنْ هَمِّ الدَّيْنِ وَفِكْرِهِ،

wa a‘ūdhu bika yā rabbi min hammi ad-dayn wa fikrih,

And I seek refuge in You, O Lord, from the worry of debt and its contemplation,

وَشُغْلِ الدَّيْنِ وَسَهَرِهِ.

wa shughli ad-dayn wa saharih.

and the preoccupation of debt and its sleeplessness.

فَصَلِّ عَلَى مُحَمَّد وَآلِهِ وَأَعِذْنِي مِنْهُ.

fa-ṣalli ‘alā muḥammadin wa ālihī wa a‘idhnī minh.

So bless Muhammad and his Household, and protect me from it.

وَأَسْتَجيرُ بِكَ يَا رَبِّ مِنْ ذِلَّتِهِ فِي الْحَيَاةِ

wa astajīru bika yā rabbi min dhillatihī fī al-ḥayāh

And I seek Your aid, O Lord, from its humiliation in life

وَمِنْ تَبِعَتِهِ بَعْدَ الْوَفَاةِ.

wa min tabi‘atihī ba‘da al-wafāh.

and from its consequence after death.

فَصَلِّ عَلَى مُحَمَّد وَآلِهِ وَأَجِرْنِي مِنْهُ

fa-ṣalli ‘alā muḥammadin wa ālihī wa ajirnī minh

So bless Muhammad and his Household, and shelter me from it

بِوُسْع فاضِل أَوْ كَفَاف وَاصِل.

bi-wus‘in fāḍilin aw kafāfin wāṣil.

with an overflowing sufficiency or an adequate subsistence that reaches.

أَللَّهُمَّ صَلِّ عَلَى مُحَمَّد وَآلِـهِ

allāhumma ṣalli ‘alā muḥammadin wa ālih

O God, bless Muhammad and his Household

وَاحْجُبْنِي عَنِ السَّرَفِ وَالازْدِيَادِ،

waḥjubnī ‘ani as-saraf wa al-izdiyād,

and veil me from extravagance and increase,

وَقَوِّمْنِي بِالْبَذْلِ وَالاقْتِصَـادِ،

wa qawwimnī bi-al-badhl wa al-iqtiṣād,

and make me upright with generosity and moderation,

وَعَلِّمْنِي حُسْنَ التَّقْدِيرِ،

wa ‘allimnī ḥusna at-taqdīr,

and teach me good estimation,

وَاقْبِضْنِي بِلُطْفِكَ عَنِ التَّبْذِيرِ

waqbiḍnī bi-luṭfika ‘ani at-tabdhīr

and restrain me with Your kindness from wastefulness,

وَأَجْرِ مِنْ أَسْبَابِ الْحَلاَلِ أَرْزَاقِي،

wa ajri min asbābi al-ḥalāl arzāqī,

and let my provisions flow from lawful means,

وَوَجِّهْ فِي أَبْوَابِ الْبِرِّ إنْفَاقِي،

wa wajjih fī abwābi al-birr infāqī,

and direct my spending in the ways of devotion,

وَازْوِ عَنِّي مِنَ الْمَالِ مَا يُحْدِثُ لِي مَخِيلَةً

wa izwi ‘annī mina al-māl mā yuḥdithu lī makhīlah

and ward off from me of wealth whatever might generate vanity for me,

أَوْ تَأَدِّياً إلَى بَغْي، أَوْ مَا أَتَعَقَّبُ مِنْهُ طُغْيَـاناً.

aw ta’addiyan ilā baghy, aw mā ata‘aqqabu minhu ṭughyānā.

or lead to transgression, or whatever I might inherit from it of tyranny.

أَللَّهُمَّ حَبِّبْ إلَيَّ صُحْبَـةَ الْفُقَرَاءِ،

allāhumma ḥabbib ilayya ṣuḥbata al-fuqarā’,

O God, make the company of the poor beloved to me,

وَأَعِنِّي عَلَى صُحْبَتِهِمْ بِحُسْنِ الْصَّبْرِ،

wa a‘innī ‘alā ṣuḥbatihīm bi-ḥusni aṣ-ṣabr,

and help me to keep their company with excellent patience,

وَمَـا زَوَيْتَ عَنِّي مِنْ مَتَاعِ الدُّنْيَاالفَانِيَةِ

wa mā zawayta ‘annī min matā‘i ad-dunyā al-fāniyah

and what You have withheld from me of the enjoyment of this fleeting world,

فَاذْخَرْهُ لِيْ فِي خَزَائِنِكَ البَاقِيَةِ،

fadhkhurhu lī fī khazā’inika al-bāqiyah,

then store it for me in Your everlasting treasuries,

وَاجْعَلْ مَا خَوَّلْتَنِي مِنْ حُطَامِهَا،

wa ij‘al mā khawwaltanī min ḥuṭāmihā,

and make what You have granted me of its fragments,

وَعَجَّلْتَ لِي مِنْ مَتَاعِهَا بُلْغَةً إلَى جِوَارِكَ،

wa ‘ajjalta lī min matā‘ihā bulghatan ilā jiwārik,

and hastened to me of its enjoyment, a means to reach Your proximity,

وَوُصْلَةً إلَى قُرْبِكَ، وَذَرِيعَةً إلَى جَنَّتِكَ

wa wuṣlatan ilā qurbik, wa dharī‘atan ilā jannatik

and a connection to Your nearness, and a way to Your Paradise,

إنَّكَ ذو الْفَضْلِ الْعَظِيمِ،

innaka dhū al-faḍli al-‘aẓīm,

Surely You are the Possessor of the immense Favor,

وَأَنْتَ الْجَوَادُ الْكَرِيْمُ.

wa anta al-jawādu al-karīm.

and You are the Munificent, the Generous.