If the saved money came from an income out of which Khums has been paid, then no Khums again on such amount. But if the saved money came from a source of income with out paying its Khums, then Khums on that part of the savings remains obligatory.
Khums is only obligatory on money and wealth but in every material we own which is more than our lawful expenses. Non monitory money which are not used for one year from the time of getting it, must be calculated according to current market rate, then khums must be paid out of it. If you keep the gift unused to gift it to others, there is Khums on you as far as you give it others before completing one year from owning it. If one complete year passes and the gift is unused and belongs to you,bayou will then to pay the Khums of its current value of 20% of the material itself.
If your husband gives you pocket money to keep for you or spend as you want, then this means that the money is yours. Such money owned by you is your responsibility and any remaining amount of it must be applied for Khums.
If your husband gives you the money to keep it for home expenses to be made on his behalf, then such money is still his money but kept with you. In such case, no Khums on you because your husband is still the owner of that amount.
If they have shown you a written ijazah of them being able to receive khums from the Marja', or you are of the level of trusting the individual in what they are saying about their receipt and its authority, then that would suffice.
If not, request a receipt from the office.
The requirement of A.U. Seyid Sistani's office is that whenever you give a khums payment, a receipt must be issued from the office.
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