اللّهُـمَّ إِنِّـي أَعوذُ بِكَ مِنَ البُخْـل، وَأَعوذُ بِكَ مِنَ الجُـبْن، وَأَعوذُ بِكَ مِنْ أَنْ أُرَدَّ إِلى أَرْذَلِ الـعُمُر، وَأََعوذُ بِكَ مِنْ فِتْنَـةِ الدُّنْـيا وَعَـذابِ القَـبْر

O Allah, I take refuge in You from miserliness and cowardice, I take refuge in You lest I be returned to the worst of lives, and I take refuge in You from the trials and tribulations of this life and the punishment of the grave.

hadith Hisn al-Muslim:60