Bismillah ar rahman ar rahim,
My answers are religious based advice (nasiha) on financial matters. It is neither a Fatwa (given by a qualified scholar) or financial advice (given to you by an inshallah independent and qualified advisor regulated in your jurisdiction).
Dua: O Allah, I seek refuge in you from grief and sadness, from weakness and from laziness, from miserliness and from cowardice, from being overcome by debt and overpowered by men.
Unclear terminology you can find on my mini-Wiki: https://wiki.islamicfinance.de/index.php?title=Main_Page