动词区别

take花费时间，it takes three hours.
cost,spend,pay花费的金钱
cost 主语是物 The shirt costs me one hundary yuan.
spend 主语是人 I spend somemoney/time in doing sth.
to do sth.
pay 主语也是人 pay somemoney to do.

take主语一般是it
cost一般是花钱，主语是物

spend主语是人
PAY是支付的意思