The crossword solutions for the term SPEND, WITH 'OUT' are LAY, which is a three-letter word. LAY is a verb that means to put down or place something in a flat position. It can also mean to expend money or resources, which is the definition that applies to the term SPEND, WITH 'OUT'. Therefore, the crossword solutions for the term SPEND, WITH 'OUT' is LAY, which means to expend money or resources without any return.