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Your debts have nothing to do with your zakat as long as you have money that lasted for a year in your possession.

If you sell and buy lands, you must give zakat for that to the poor.

Zakat is not related to a particular month. It is related to the passing of a lunar year on the amount you possess

As long as he gave you the power of attorney to keep it for him, this is considered to be accepting it and you must keep it until he comes. Your zakat was paid on time.

Any savings an individual has that exceeds the value of 595 grams of silver and a whole year passes on it, one is obliged to pay 2.5% zakat on it even if he is unemployed

You should give the zakat on time and shouldn’t delay giving it on time. If you delayed giving it, it is a debt that you must pay in accordance to the price it was due in.

You can do that providing that you do this with everything that you get as an income. This is too costly and scholars don’t recommend it. Instead of paying 2.5% x 12, you can assign one day in the whole year and give 2.5% on whatever you have on that day.

One should give them the money in their hands to do whatever they want with it. One should not buy them food or groceries on their behalf unless they authorize you to do so from the zakat money.

You can give zakat money to those who you trust.

You have to calculate it in 24.