Out-lays, which means to spend or lay out money, has several antonyms that express the opposite meaning. The antonyms for out-lays include collect, save, retain, economize, conserve, withhold, and hoard. Therefore, when one is not spending money or is trying to save, these words can be used to replace out-lays in a sentence. For example, "Instead of out-laying on luxuries, she decided to conserve her funds for a future purchase." By using these antonyms, one can convey a message opposite to the act of spending money. These words are useful when discussing personal finance or business expenditures.