أَللَّهُمَّ صَلِّ عَلَى مُحَمَّد وَآلِهِ
al-laahum-ma s'al-li a'laa muh'am-madiw-wa aaalih
1.O God, bless Muhammad and his Household
وَهَبْ لِيَ الْعَافِيَةَ مِنْ دَيْن تُخْلِقُ بِهِ وَجْهِي،
wa hab leeal-a'afeeata min day-nin tukh-liqu bihee waj-hee
2.and release me from a debt which makes me lose face,
وَيَحَارُ فِيهِ ذِهْنِي، وَيَتَشَعَّبُ لَهُ فِكْرِي،
wa yah'aaru feehee d'ih-nee wa yatashaa'-a'bu lahoo fik-ree
3.confuses my mind, disrupts my thinking,
وَيَطُولُ بِمُمَارَسَتِهِ شُغْلِي،
wa yat'oolu bimumaarasatihee shugh-lee
4.and prolongs my occupation with attending to it!
وَأَعُوذُ بِكَ يَا رَبِّ مِنْ هَمِّ الدَّيْنِ وَفِكْرِهِ،
wa au'wd'u bika yaa rab-bi min ham-mid-day-ni wafik-rih
5.I seek refuge in You, my Lord, from worry and thought about debt,
وَشُغْلِ الدَّيْنِ وَسَهَرِهِ.
wa shugh-lid-day-ni wasaharih
6.from the distraction and sleeplessness of debt;
فَصَلِّ عَلَى مُحَمَّد وَآلِهِ وَأَعِذْنِي مِنْهُ.
fas'al-li a'laa muh'am-madiw-wa aaalih wa ai'd'-nee min-h
7.so bless Muhammad and his Household and give me refuge from it!
وَأَسْتَجيرُ بِكَ يَا رَبِّ مِنْ ذِلَّتِهِ فِي الْحَيَاةِ
wa as-tajeeru bika yaa rab-bi min d'il-latihee fil-h'ayaah
8.I seek sanctuary in You, my Lord, from debt's abasement in life
وَمِنْ تَبِعَتِهِ بَعْدَ الْوَفَاةِ.
wa min tabia'tihee baa'-dal-wafaah
9.and its ill effects after death,
فَصَلِّ عَلَى مُحَمَّد وَآلِهِ وَأَجِرْنِي مِنْهُ
fas'al-li a'laa muh'am-madiw-wa aaalih wa ajir-nee min-hoo
10.so bless Muhammad and his Household and give me sanctuary from it
بِوُسْع فاضِل أَوْ كَفَاف وَاصِل.
biwus-i'n faaz''ilin aw kafaafiw-waas'il
11.through a bountiful plenty or a continually arriving sufficiency!
أَللَّهُمَّ صَلِّ عَلَى مُحَمَّد وَآلِـهِ
al-laahum-ma s'al-li a'laa muh'am-madiw-wa aaalih
12.O God, bless Muhammad and his Household
وَاحْجُبْنِي عَنِ السَّرَفِ وَالازْدِيَادِ،
wah'-jub-nee a'nis-sarafi waliz-deeaad
13.prevent me from extravagance and excess,
وَقَوِّمْنِي بِالْبَذْلِ وَالاقْتِصَـادِ،
wa qaw-wim-nee bil-bad'-li waliq-tis'aad
14.put me on the course of generous spending and moderation,
وَعَلِّمْنِي حُسْنَ التَّقْدِيرِ،
wa a'l-lim-nee h'us-nat-taq-deer
15.teach me excellent distribution,
وَاقْبِضْنِي بِلُطْفِكَ عَنِ التَّبْذِيرِ
waq-biz''-nee bilut'-fika a'nit-tab-d'eer
16.hold me back through Your gentleness from squandering,
وَأَجْرِ مِنْ أَسْبَابِ الْحَلاَلِ أَرْزَاقِي،
wa aj-ri min as-baabil-h'alaali ar-zaaqee
17.allow me to attain my provisions through lawful means,
وَوَجِّهْ فِي أَبْوَابِ الْبِرِّ إنْفَاقِي،
wa waj-jih feee ab-waabil-bir-ri infaaqee
18.direct my spending toward the gateways of devotion,
وَازْوِ عَنِّي مِنَ الْمَالِ مَا يُحْدِثُ لِي مَخِيلََةً
waz-wi a'n-nee minal-maali maa yuh'-dithu lee makhi-latan
19.and take away from me any possession which will bring forth pride in me,
أَوْ تَأَدِّياً إلَى بَغْي، أَوْ مَا أَتَعَقَّبُ مِنْهُ طُغْيَـاناً.
aw taad-deean ilaa bagh-yin aw maaa ataa'q-qabu min-hoo t'ugh-yaanaa
20.lead to insolence, or drag me in its heels to rebellion!
أللَّهُمَّ حَبِّبْ إلَيَّ صُحْبَـةَ الْفُقَرَاءِ،
al-laahum-ma h'ab-bib ilay-ya s'uh'-batal-fuqaraaa-i
21.O God, make me love the companionship of the poor
وَأَعِنِّي عَلَى صُحْبَتِهِمْ بِحُسْنِ الْصَّبْرِ،
wa ai'n-nee a'laa s'uh'-batihim bih'us-nis'-s'ab-r
22.and help me be their companion with excellent patience!
وَمَـا زَوَيْتَ عَنِّي مِنْ مَتَاعِ الدُّنْيَاالفَانِيَةِ
wa maa zaway-ta a'n-nee mim-mataai'd-dunyaa al-faaneeati
23.Whenever You takest away from me the goods of this perishing world,
فَاذْخَرْهُ لِيْ فِي خَزَائِنِكَ البَاقِيَةِ،
fad'-khar-hoo lee fee khazaaa-inikal-baaqeeah
24.store them for me in Your abiding treasuries!
وَاجْعَلْ مَا خَوَّلْتَنِي مِنْ حُطَامِهَا،
waj-a'l maa khaw-wal-tanee min h'ut'aamihaa
25.Make this world's broken pieces which You hast conferred upon me
وَعَجَّلْتَ لِي مِنْ مَتَاعِهَا بُلْغَةً إلَى جِوَارِكَ،
wa a'j-jal-ta lee mim-mataai'haa bul-ghatan ilaa jiwaarik
26.and its goods which You hast quickly granted to me a way to reach Your neighbourhood,
وَوُصْلَةً إلَى قُرْبِكَ، وَذَرِيعَةً إلَى جَنَّتِكَ
wa wus'-latan ilaa qur-bik wa d'areea'tan ilaa jan-natik
27.a link to Your nearness, and a means to Your Garden!
إنَّكَ ذو الْفَضْلِ الْعَظِيمِ،
in-naka d'ool-faz''-li ala'z'eem
28.Verily You art Possessor of bounty abounding,
وَأَنْتَ الْجَوَادُ الْكَرِيْمُ.
wa antal-jawaadu alkareem
29.and You art the Munificent, the Generous.