Usually the meaning 費用(=费用) in English is expenses, fees, charge. Like production costs, the cost of living, and so on. It’s about money.
You can see 花費 as a verb. 花費 can be used when you want to say something take you time to do, or you spend time/money on something.
1. It took me two hours to do something.
2. I spent 100 dollars on books yesterday.
消耗 usually means ‘consume’. Refer to consume energy, time, resources.