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spending
This term carries a neutral to negative connotation depending on the scale and intent of the expenditure. In economic or political discourse, it often implies a systemic allocation of resources, whereas in personal contexts, it can suggest a lack of restraint or a specific lifestyle choice. It focuses on the outflow of capital rather than the value of the acquisition.
As a noun, spending is an uncountable mass noun. It describes the general activity or total amount of money used, meaning it cannot be pluralized as spendings in standard English. To refer to individual instances of expenditure, one must use count nouns such as expenditure or purchase.
Used as a general concept of financial outflow, such as in the phrase consumer spending is rising.