We say at times " i dont want to spend my valuable money, time and energy in this"?

dear mr. swagat, actually all these three things are to spend. if don't spend these things it will decay and damge, and also you can't get most out of these things. but you must be careful about spending them. spending does not mean wasting. you must not misuse these thing but should make their proper use. then you can get their most os benefits and also you will be rich of these three precious things.