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When One is Confronted with Difficulty
Anas reported that the Prophet, peace be upon him, used to supplicate, "O Allah, there is no ease except what You make easy, and you alone can turn a difficulty into ease." (Ibn As-sinni)
When One is Destitute
Ibn 'Umar reported that the Prophet, peace be upon him, said, "When you leave your house and are afflicted with hardship, why don't you pray, 'In the name of Allah respecting myself, my property, and my din. O Allah, cause me to be satisfied and pleased with Your decree, and bless me in whatis decreed for me, so that I will not want to hasten what You have delayed, nor to delay what You have hastened'." (Ibn As-Sinni)
When One is in Debt
'Ali related that a slave, who had agreed on terms of his freedom with his master, came to him and said, "I cannot pay my master as I agreed in the terms of freedom, so help me." 'Ali said to him, "Let me teach you the supplication that the Prophet, peace be upon him, taught me. If you say it, Allah will cause your debt to be paid even if it be as great as a mountain. Say, 'O Allah, make Your lawful bounties sufficient for me so as to save me from what is unlawful, and from Your grace grant me sufficient abundance to make me free from the need of all except You'." (Reported by Tirmidhi, who considers it sound) Abu Sa'id al-Khudri reported, "One day the Prophet, peace beupon him, entered the mosque. He saw there a man from the Ansar called Abu Umamah. He asked, 'What is the matter with you that I see you sitting in the mosque when it is not the time of prayer.' He replied, 'I am very much worried and in great debt, O Messenger of Allah!' The Prophet said, 'Let me teach you words to say so that Allah will remove your worries and settle your debt?' He exclaimed, 'Of course, O, Messenger of Allah.' The Prophet said, 'Say in morning and evening, "O Allah, I seek refuge in You from all worry and grief. I seek refuge in You from incapacity and slackness. I seek refuge in You from cowardice and niggardliness, and I seek refuge in You from being overcome by debt and being subjected to men".' The man said, 'When I did that, Allah removed all my worries and settled my debt'." (Abu Daw'ud)
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"When a person dies, his works end, except for three: ongoing charity, knowledge that is benefited from, and a righteous child who prays for him."
Prophet Mohammed (PBUH)
"The best of what a man leaves behind are three: a righteous child who supplicates for him, ongoing charity the reward of which reaches him, and knowledge that is acted upon after him."
Sunan Ibn Mājah
"Every day two angels come down from Heaven and one of them says, 'O Allah! Compensate every person who spends in Your Cause,' and the other (angel) says, 'O Allah! Destroy every miser.'"
Sahih Bukhari