Zakaat

Decreasing one's sadaqah to save up for hajj

Q: Alhamdulilliah I am employed and in addition to my annual zakaat I make a point of giving away at least 10 percent of my money in additional sadaqah. However I am a bit confused at this point. I would like to start saving more than I currently  in order to get married and go for haj Inshallah. I know that sadaqah does not decrease wealth.

Should I continue to give the same amount as sadaqah or should I decrease a bit in order to increase my savings for these sorts of things.

Discharging zakaat to an organisation that builds homes for widows

Q: This is how I discharge my zakaat every year:

A certain lady is in charge of an organization that builds homes for widows, so what I do, for example, 200 000 dollars is my zakaat, so I give it to her and tell her build homes for 4 widows, sometimes I give the money directly to the bank in charge of the project, is this ok?

Misplacing Zakaat money

Q: A friend of ours gave us his zakat money to send it to his other friend was in another country to distribute it there. When we contacted that foreign friend he said he doesn't know anyone so pls don't send me the money. The zakat giver had told us we can give to anyone else deserving. When we found someone suitable we realised we lost the money. We tried very hard to find it. It could be stolen. But we are not sure. What should we do. If we tell him he might get upset. Can we pay his zakat without telling him? Do we have to pay for him?