spend

This word describes the act of depletion or allocation, whether the resource is financial, temporal, or physical. It carries a sense of irreversible consumption; once money is spent or time is passed, it cannot be recovered. While often associated with commerce, the term extends to any finite resource that is exhausted through use.

In terms of energy or patience, the word implies a gradual wearing down or a total expenditure of effort. It differs from "waste" in that "spend" is neutral, whereas "waste" implies an inefficient or improper use of the resource.