If you’re anything like me, watching your paycheck dwindle away in front of your eyes is the worst thing ever. Period. After all of the bills have been paid and savings have been deposited, I always seem to wonder where the rest disappeared to.

Even the most careful spenders can find themselves in this predicament. So how can you better control your personal finances?

I’m not saying you should stop spending altogether—that’s impossible—but these eight super helpful ideas can help you start to spend smarter. So instead of waving goodbye to that hard-earned cash, utilize every penny and get the most out of your paycheck, starting today.

Infographic courtesy of SpendSmart. Photo of piggy bank courtesy of Shutterstock.