Khums and Sakat are obligatory on the owner himself / herself. Your are responsible to pay your Khums and Zakat from your own wealth. If you and your spouse have joined ownership, then both should agree that any of them to pay their dues. Both should have the intention (Niyyah) of paying their dues religious due for the sake of Allah (SWT).
All financial dues like Zakat and Khums must be paid as soon as possible even for those who did not pay it on its time. The responsibility is to pay all the unpaid dues as soon as you can.
Money remain mixed with Haraam until all dues are fully paid.
Obligatory Zakat is on nine items only which current golden coins, current silver coins, camels, cows, sheep’s, wheat, barely, dates and raisins. Yiu savings are not involved in obligatory Zakat but on Khums which is 20% from you annual savings including unused jewelery. Khums is obligatory one time only on the same amount or material. After paying the Khums, you do not need to pay Khums again on the same remaining amount.
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