Sometimes you get lucky and a client deposits a big whack of cash in your bank account.

Payment in advance for a big project.

Warning: If you’re not careful you’ll spend that money before you finish the product, and then you’re in trouble.

It’s hard not to spend cash.

You’re wired to feel optimistic when you look at a big bank balance.

That optimism may overrule your frugality instinct, and you’ll become reckless in expenditure.

The safest thing to do is hide the money away.

Transfer it to a cash management account that you can’t look at every day.

Take away all temptation to spend.

Hide the money away.