Zakaat

Discharging the zakaat of previous years

Q: One has not paid Zakaat for a number of years. I'm now calculating the Zakaat for the current year. How should the liability in respect of Zakaat not paid previously be treated? Does one need to add the outstanding amount to debts and liabilities for the current year and the total amount then be deducted from one’s total Zakaat assets? If this procedure is correct, what then if, after deduction, the total amount does not reach nisaab? If the liability in respect of Zakaat not paid previously is not to be included in debts and liabilities for the current year, can the Zakaat for the current year be cleared immediately and the outstanding amount in respect of previous years be cleared gradually over a period of time?

Zakaat on pension fund

Q: I will be leaving my employer and would like to know how to calculate the zakaat on my pension fund withdrawal. I have worked at the current place for 4-5 years. Should I calculte zakaat on the value as it is on my last day or do I need to go back, work out the values on each year and then calculate zakaat on each year?

Living according to one's means

Q: My husband and I both earn R16700.00 we owe R40 000 to our credit cards and we are not able to afford school fees for our children who are going to an Islamic school. The fees R3500 a month for both kids. Can we accept zakaat money? I also need to study further next year the cost is R13500 for the year. Can I take zakaat to further my studies?