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?