Salaam Mufti, Im working my salary is not very big , but cos my granny has given me jewerelly i give a small amount of R100via debit order every month to a muslim blind madress , is the zakat valid or do i have to save and give lump sum physically after one year. 2) we have an old car which is on my siters name but i was paying the monthly installments every month, do i have to or my sister pays zakat