Singling out the first third of Ramadan to make Du`a for mercy, the second third to make Du`a for forgiveness and the last third to make Du`a for ransom from Hell is an innovation for which there is no basis in Islamic teachings. There is also no justification for singling out these times for these Du`as, because all the days of Ramadan are equal in that regard. Rather the Muslim may make Du`a for whatever he wants of goodness in this world and the hereafter throughout Ramadan; that includes asking Allah for mercy, forgiveness, ransom from the Fire and admission to Paradise.

1- You can say this Du`a to pay off our debts: “Allahumma ikfini bi halalika `an haramika wa aghnini bi fadlika `amman siwaka.” 2- One of the most beneficial means of attaining provision is praying a great deal for forgiveness.

How to increase provision (Rizq) in Islam: 1. Istighfar (praying for forgiveness) 2. Upholding ties of kinship 3. Giving a great deal of charity 4. Being mindful of Allah and fearing Him 5. Performing Hajj and `Umrah often, following one with the other 6. Du`a (supplication)

You can recite these Du`as to remove anxiety and stress: 1- Allahumma inni `abduka wa ibn `abdika wa ibn amatika, nasiyati bi yadika, madin fiyya hukmuka, `adlun fiyya qada’uka, as’aluka bi kulli ismin huwa laka sammayta bihi nafsaka aw anzaltahu fi kitabika aw `allamtahu ahadan min khalqika aw ista’tharta bihi fi `ilm il-ghaybi `andak an taj`ala Al-Qur’ana rabi` qalbi wa nur sadri wa jala’a huzni wa dhahaba hammi. 2- Allahumma rahmataka arju fa la takilni ila nafsi tarfat `ayn wa aslih li sha’ni kullahu la ilaha illa anta. 3- La ilaha ill-Allah Al-`Athim ul-Halim, La ilaha ill-Allah Rabb il-`arsh il-`athim, La ilaha ill-Allah Rabb is-samawati wa Rabb il-ard wa Rabb il-`arsh il-karim.

Conditions of accepting Du`a are: • You should call upon no one except Allah. • You should seek to draw close to Allah in one of the ways that are prescribed in Shari`ah. • You should avoid seeking a quick response. • The Du`a should not involve sin or severing of the ties of kinship. • You should think positively of Allah. • You should be focused, aware of the greatness of the One upon Whom you are calling. • Ensuring that one’s food comes from permissible sources. • You should avoid aggression in Du`a. • You should not let Du`a distract you from an obligatory duty.