Subtracting the Expenses of 1st Month of New Khums Year from the Last Year’s

Q: I am a government employee and receive my salary at the end of each month. My khums year starts on the first of July. My question is: Can I subtract the daily life expenses and instalments to be paid during July from the income of the khums year just ended?

A: If the yearly earnings, which is saved for providing one's life expenses in the next khums year, is going to be spent on the life expenses within a few days or if the mere having some savings is counted as a part of his / her life expenses, it is subject to no khums. Otherwise, its khums should be paid.