I am not going to say anything but only that which Allah's Messenger (may peace be upgn him) used to say. He used to supplicate:" O Allah, I seek refuge in You from incapacity, from sloth, from cowardice, from miserliness, decrepitude and from torment of the grave. O Allah, grant to my soul the sense of righteousness and purify it, for You are the Best Purifier thereof. You are the Protecting Friend thereof, and Guardian thereof. O Allah, I seek refuge in You from the knowledge which does not benefit, from the heart that does not entertain the fear (of Allah), from the soul that does not feel contented and the supplication that is not responded."