VERSE 1
               D9
My mother told me
F#7        
Before she passed away
     Bm           Bm7/Bb      
Said son when I'm gone
D9       D7
Don't forget to pray
                   G         Abdim
'Cause there'll be hard times
           D  C B7
Lord, those hard times
Bb7       A           D  A7
Who knows better than I?
VERSE 2
Well I soon found out
Just what she meant
When I had to pawn my clothes
Just to pay the rent
Talkin' 'bout hard times
Lord, those hard times
Bb7       A           D  A7
Who knows better than I?
[Sax solo/Guitar solo] 
https://www.coveralia.com/acordes/hard-times--party-session--eric-clapton.php
D9  F#7  Bm  Bm7  D9  D7
G  Abdim  D  C  B7  Bb7  A7  D  E9  Eb9
G  Abdim  D  C  B7  Bb7  A7  
Bb7  A7  D  E9  Eb9
VERSE 3
        
I had a woman
Who was always around
But when I lost my money
She put me down
Talkin' 'bout hard times
Hard times
      Bb7       A7                D  F9  E9(2)  D9
Yeah, yeah, who knows better than I?
     
      F#7
Lord, one of these days
There'll be no more sorrow
When I pass away
And no more hard times
No more hard times
Yeah, yeah, who knows better than I?
(play single notes: E Eb A Db D and end on D9)