Come on, get off the "she still spent money" part, it's silly. You can't not "spend" money just by virtue of being alive. Do you own property? Even if it's 100% paid off you might as well divide your property tax by the day and count that as spending money, even if you're out camping and not using the property, even if you're in Azerbaijan, even if you're fixing the Hubble in space you're being charged for that day. Same with cable, Internet, insurane, gas, water, electric, doesn't matter if you're not physically using it, there is a minimum they'll charge you and it isn't zero. There's no way she's mistaken the two types of expenditures and we shouldn't either.