karaagre vasate lakshmih karamadhye saraswatikaramuule tu govindah prabhaate karadarshanam
When we wake up: The front part of the hands (the finger tips) are ascribed to Goddess Lakshmi, the Goddess of wealth. The middle part (the palm) is ascribed to Goddess Saraswati - the Goddess of learning. The root (the part of of hand near the wrist) is ascribed to Govinda. Therefore, every morning, one should have a respectful look at one's hand which symbolizes honest labor.
samudravasane devi parvata sthanamandale vishhnupatni namastubhyam paadasparsham kshamasvame
When we are about to put our feet down: O! Mother Earth, who has the ocean as clothes and mountains and forests on her body, who is the wife of Lord Vishnu, I bow to you. Please forgive me for touching you with my feet.
Gange cha Yamune chaiva Godavari Saraswati, Narmade Sindhu Kaveri jalesmin sannidhim kuru
When taking shower: In this water, I invoke the presence of holy waters from the rivers Ganga, Yamuna, Godavari, Saraswati, Narmada, Sindhu and Kaveri. This sloka can be recited while taking a bath.
Aakaashaath patitam toyam yathaa gachchhati saagaram sarvadeva namaskaaraam keshavam pratigachchhati