How to calculate zakaat

Q: I'd like to know how to calculate zakaat. I am 25 years old and have never paid it as I don't know how to calculate it. I do tutoring for 2 children, I have some shares, I have some money in my bank account and I have money in a money box but I don't know how much money I have in that money box. I also have some gold jewellery of which I wear some of it but not all and I don't know the value of it.

Is it true that you have to also pay zakat on clothing that you have not used in over a year? Please assist. 

Delaying the nikaah

Q: I am a 26 year old girl. I got a proposal last year and it's already been a year. He and his family are assuring us that once he gets a job and settles, then only will we proceed further. My parents are very worried about me. I dont want to be the reason of my parents sadness. Actually the main problem is that he is from South and I am from North. In South marriage, there willbe a grand show off and all that but currently he is jobless. My parents still agreed and are ready but he is stuck on one thing that he needs a job. We must just wait 8 more months. I just want a halal relationship. One more thing I would like to ask is that we did a register marriage in January 2017, just to avoid wrong deeds but now I am feeling that without Allah's blessing how can we be happy. So I am insisting to get marry according Islamic shariya but he says that he can't do it now and he needs time. Please suggest what to do because I am completely lost. I really dont know what to do.