A typical prayer goes something like this: "Please help us find the money to pay our mortgage this month." Saying the prayer may help you feel like the burden of that month's mortgage has been lifted, but the part of you that feeds on fear will simply seek out new financial worries to keep you awake at night. Old patterns remain intact.
In contrast, asking, "Please heal my fear-based thoughts about our mortgage" lifts the burden and relieves the need to re-create that fear and hold onto it.
"Sad & Insulting In One Nasty Package"