Zakaat

Wife discharging zakaat on her gold for previous years

Q: I have been married around 15 years, and my wife was give more gold ornaments by their parents! There is zakaat to be given for it and she did not provide it! I don't have any gold or savings! Only my wife's gold! How can I calculate the zakaat for the past 15 years => Gold price was low to high till now. Do I need to calculate the yearly gold rate on that year! Can tell me how to discharge the zakaat for the past years?

Calculating the value of gold for previous years' unpaid zakaat

Q: I wanted to ask some things related to the payment of zakaat. They are as follows: 

I was unaware that I had enough gold previously and now I have to pay zakaat for the last 2.5 years. So will the zakaat of each year be calculated according to the gold value in that year, or according to the current year's gold value? 

If I won't pay it all at once, and do it in installments will I be sinful in delaying it further?

Keeping money aside for sadaqah

Q: I have done a niyyat of giving money in sadaqah and that money is with me (waiting to find someone who is needy). If someone comes to me asking for a qarz (debt), can I give debt to that person from that money with niyyat that when he will return, I will give sadaqa of that amount (as it is ultimately sadaqa money) and if that person does not return money after a long period, I will assume that my sadaqah is fulfilled as I am not getting that money back.