Calculating zakaat
Q: I have never had nisab for a full year. I normally get a bonus at the end of each year and then usually my income goes under the nisab during the year.
I do not have any other savings, investments, gold, silver, etc, but I do have nice furniture and expensive appliances. I also have a shariah loan outstanding for my car which I am still paying off.
Please advise if Zakaah is compulsory on me.