Sometimes the best way to save money is to spend it--wisely, that is. Our resident finance expert, Rubina Ahmed-Haq, shares the four smartest places to spend in order to save.

1. Programmable Thermostat

Initial investment: about $120
Potential savings: at least $300 over three years

The key to savings here is proper use. Be sure to have the device installed in a part of your home that's neither too cold nor too hot. And remember: In the summer, you want the house to be warm when you're away and cool when you're home, while in the winter, the opposite thinking applies. Rubina suggests an at-home temp of 25 C (78 F) in summer and 22 C (71 F in winter).

2. Vacuum Food Sealer

Initial investment: about $100
Potential savings: at least $900 over three years

The average North American household wastes approximately $600 in food year, because it either goes bad or is left on the plate.

3. Wine Decanter With Aerator

Initial investment: about $70
Potential savings: at least $3,000 over three years

Pouring wine through an aerator allows it to breathe, releasing aromas and flavours. Translation: You can buy a cheaper bottle of wine, and your guests will never know!

4. Accountant

Initial investment: about $100 a year
Potential savings: $1,000 a year

Hiring an accountant is Rubina's No. 1 spend-to-save investment. After all, it's an accountant's job to save you money.