Zakaat on personal jewelry
Some women think that their jewelry is for their personal use and that there is no Zakaat on them. However, as per the Hanafi School of Fiqh, Zakaat is obligatory on the gold/silver jewelry that women use when they meet the prescribed criterion. There is a Hadith in Sahih Bukhari:
Translation: The Holy Prophet (Sallallahu alaihi wa sallam) said: You women should give charity, even though it may be from your jewelry. Then the Holy Prophet (Sallallahu alaihi wa sallam) didn’t separate the obligation from it. Thus women started giving their rings and necklaces in charity and the Holy Prophet (Sallallahu alaihi wa sallam) didn’t separate gold/silver from the rest.