Say: "Unto whom belongs all that is in the heavens and on earth?" Say: "Unto God, who has willed upon Himself the law of grace and mercy. He will assuredly gather you all together on the Day of Resurrection, [the coming of] which is beyond all doubt: yet those who have squandered their own selves-it is they who refuse to believe [in Him],

{Surah Al-An'am (The Cattle) 6:Ayah 12}

Qul liman ma fee alssamawati waalardi qul lillahi kataba AAala nafsihi alrrahmata layajmaAAannakum ila yawmi alqiyamati la rayba feehi allatheena khasiroo anfusahum fahum la yuminoona

Narrated 'Aisha:

The people used to fast on 'Ashura (the tenth day of the month of Muharram) before the fasting of Ramadan was made obligatory. And on that day the Ka'ba used to be covered with a cover. When Allah made the fasting of the month of Ramadan compulsory, Allah's Apostle said, "Whoever wishes to fast (on the day of 'Ashura') may do so; and whoever wishes to leave it can do so."

(Sahih Bukhari, Book 26, Number 662)

Settling a debt say:

Allahummak-finee bihalalika AAan haramik, wa-aghninee bifadlika AAamman siwak.

‘O Allah, make what is lawful enough for me, as opposed to what is unlawful, and spare me by Your grace, of need of others.

Remember to fully concentrate during each and every salah and leave all worldly thoughts behind you

Al – Quthum means:

Allah’s Messenger (saas), the best of creation, one who has all good virtues and characteristics gathered together in him

AL-JAME'

The Gatherer

He Who collects things, gathers them, anywhere He wants, at any time.