Re: DUA's of Daily Life.
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Anas ibn Malik (RadiyAllah anh) narrates that the Prophet (salAllahu alayhi wa sallam) said:
"When one of you makes a du'aa, then let him be firm and determined in his du'aa, and let him not say, 'O Allah! If You will, then please forgive me', for there is no one who can force Allah to do anything"
[Bukhari, Muslim, Ahmed and others]
After mentioning this hadith, Abu Ammaar Yasir Qadhi (May Allah preserve him) writes in his book, Du'a - The Weapon of the Believer:
Therefore, what is desired is that a person be firm in his du'a, asking from Allah in a determined manner. If, on the other hand, a person says, "O Allah! Grant me my du'a if you wish", this goes against the firmness and resolution that is desired, for it is as if he is saying, "O Allah! If You answer my du'a, then I thank You, otherwise I do not ask You of it". This shows a degree of arrogance towards Allah, all Glory and Praise be to Him, and implies a sense of self-sufficiency on the part of the person making the du'a. A person is always in need of Allah's help and aid, and as such should always ask of Allah in a manner that shows his poverty for Allaah's support.
It should be pointed out that it is allowed to use this phrase when the person does not know if the matter he is asking for is for his good or not. So, it is permissible to pray:** 'O Allah! If You know that such-and-such matter (related to this world) is good for me, then grant it to me'.** What is prohibited is to use this phrase in matters that one needs without a doubt, such as Allah's Forgiveness, or Mercy, or Blessing, etc.
(Du'a - The Weapon of the Believer, P90)
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There are two dua's where "insha'Allah" is included:
The dua for a sick person:** La ba's taahoorun insha'Allah**. (Don't worry it is for Purification, if Allah wills.)
The dua when we break our fast in Ramadan:
dhaba al-thama'u wa ibtallat alurooqu wa thabata al-ajru insha'Allah.
(The thirst has gone and the veins are moistened and the reward is established, if Allah wills.)
In these two examples the "Insha'Allah" doesn't refer to the du'a itself.
In the first one, the "Insha'Allah" refers to tahoor. We remind the sick that, Insha'Allah, this illness of his is a means of wiping the sins. However, we do not know if Allah is forgiving him some of his sins through this illness. But it is a way to remind the sick to be patient.
In the second one, the "Insha'Allah" refers to the ajr, i.e. the reward. There is no way we can know if Allah has established the reward so this is why we say Insha'Allah".
p.s*. Tahoor* = purifying (of sins in the context of the du'a)