She vowed to give all her wealth in charity but she owes zakaah. What should she do?
Question

                A woman got sick and vowed to give all her jewellery in charity if Allaah healed her. After she recovered, she regretted it and now she is asking: Is there any expiation for this vow? If she must fulfil this vow, she owes eight years worth of zakaah on this jewellery. Does she have to pay zakaah for each year, and is that from the jewellery itself or what?.
Praise be to Allah.
    Firstly: 
Vows are not prescribed 
    in Islam because the Prophet  (peace and blessings of Allaah be upon 
    him) forbade them. ‘Abd-Allaah ibn ‘Umar (may Allaah be pleased with him) 
    narrated: The Prophet  (peace and blessings of Allaah be upon him) 
    forbade vows and said: “They do not ward off anything, but they are a means 
    of getting something out of the miser.” Agreed upon; this version was 
    narrated by al-Bukhaari. So every Muslim, man or woman, should keep away 
    from vows and not commit himself to something that he may be unable to do or 
    find it very difficult to do, thus falling into sin. 

    Fataawa al-Lajnah al-Daa’imah, 
    23/362 

    Although vows are basically makrooh, the person who vows to 
    do an act of worship is obliged to fulfil it, because the Prophet  
    (peace and blessings of Allaah be upon him) said: “Whoever vows to do an act 
    of worship, let him do it, and whoever vows to commit an act of sin let him 
    not do it.” Narrated by al-Bukhaari, 6202 

    Secondly: 

    Vowing to give some of one's wealth in charity is a vow to do 
    an act of worship, so it is obligatory to fulfil it. 

    If a woman vows to give all her jewellery in charity, one of 
    the following two scenarios must apply: 

    1 – This jewellery is her entire wealth, in which case it is 
    sufficient for her to give one-third of it. This is the view of Ahmad (may 
    Allaah have mercy on him). 

    Some of the scholars are of the view that it is obligatory 
    for her to give all her wealth in charity, such as al-Shaafa’i (may Allaah 
    have mercy on him). 

    Ibn Qudaamah (may Allaah have mercy on him) said: 

    Whoever vows to give all his wealth in charity, it is 
    sufficient for him to give one-third of it. This is the view of al-Zuhri and 
    Maalik… Abu Haneefah said: He should give all of his wealth that is subject 
    to zakaah… 

    Al-Shaafa’i said: He should give all his wealth in charity, 
    because the Prophet  (peace and blessings of Allaah be upon him) said: 
    “Whoever vows to obey Allaah, let him obey Him.” And because it is a vow to 
    do an act of worship, so it is obligatory for him to fulfil it, like a vow 
    to offer prayers or observe fasts. 

    The fact that it is sufficient to give one-third in charity 
    is indicated by the words of the Prophet  (peace and blessings of Allaah 
    be upon him) in a hadeeth according to which Abu Lubaabah said:  “As a sign 
    of repentance I will give my wealth in charity for Allaah and His Messenger. 
    (The Prophet  (peace and blessings of Allaah be upon him)) said: 
    “One-third is sufficient.” Classed as saheeh by al-Albaani in Takhreej 
    Ahaadeeth Mishkaat al-Masaabih, 3439. 

    It was narrated that Ka’b ibn Maalik said: I said, “O 
    Messenger of Allaah, as a sign of my repentance, I will give up my wealth in 
    charity for Allaah and His Messenger.” The Messenger of Allaah  (peace 
    and blessings of Allaah be upon him) said: “Keep part of your wealth for 
    yourself.” Agreed upon. According to a version narrated by Abu Dawood, “One 
    third is sufficient.” [Al-Albaani said in Saheeh Abi Dawood (3319): 
    its isnaad is saheeh.]  

    End quote from al-Mughni, 11/340. 
i.e., if the wealth 
    specified in a vow refers to all of one's wealth, the ruling is the same as 
    the ruling on one who vows to give all his wealth in charity; it is 
    sufficient for him to give one-third. 

    Shaykh al-Islam Ibn Taymiyah said in al-Fataawa al-Kubra 
    (6/188): 

    Concerning a person who vows to give all his wealth in 
    charity, the Sunnah is that it is sufficient for him to give one-third, 
    because giving all of it would cause hardship. End quote. 

    Ibn al-Qayyim said something similar in I’laam 
    al-Muwaqqi’een, 3/165 

    The correct view is that of the Hanafis, as stated in a fatwa 
    by the Standing Committee, when asked about one who vowed to give his entire 
    salary for the sake of Allaah on an ongoing basis. They replied: It is 
    sufficient for you to give one-third of your salary, because the Prophet 
     (peace and blessings of Allaah be upon him) said to one who vowed to 
    give all his wealth in charity: “One third is sufficient.” Narrated by Abu 
    Dawood. 

    End quote from Fataawa al-Lajnah al-Daa’imah, 23/225 

    2 – She has other wealth besides the jewellery, in which case 
    she must give all her jewellery in charity as she vowed to do. Ibn Qudaamah 
    (may Allaah have mercy on him) said: If a person vows to give a specific 
    thing or a specific amount of his wealth in charity, such as one thousand, 
    it is narrated from Ahmad that it is permissible to give one-third, because 
    it is wealth that he vowed to give in charity, so one-third is sufficient, 
    as is the case when giving all of one's wealth. But the correct view 
    according to our madhhab is that all of it must be given in charity, because 
    it is a vow and an act of worship, so it must be fulfilled, as with all 
    other vows, because of the general meaning of the verse in which Allaah says 
    (interpretation of the meaning):   “They (are those who) fulfil (their) 
    vows…” [al-Insaan 76:7]. 

    The reason why the fatwa is different with regard to one who 
    vow to give all of his wealth is because of the report narrated from the 
    Messenger of Allaah  (peace and blessings of Allaah be upon him), and 
    because giving all of one’s wealth in charity could cause harm to a person.
    al-Mughni, 11/340 

    Thirdly: 
With regard to zakaah on 
    jewellery, she has to pay the zakaah for those eight years, regardless of 
    whether we say that she as to give all of her jewellery in charity or only 
    one-third of it – according to the discussion above – because zakaah is a 
    debt that she must pay, and it has nothing to do with the vow. But if she 
    has to give all the jewellery in charity, then she should pay the zakaah 
    from her other wealth, and she does not have to pay the zakaah from the 
    jewellery itself.

     If she has to give one-third of it in charity, then it is 
    permissible for her to pay the zakaah from the remaining jewellery, if that 
    is possible, or from her other wealth.