Today spend lots of time practice piano, and also spend sometime sleeping, just don't feel like doing course work. Going shopping afterward.

Micro-saving is very important, I leart this after reading several articles and start micro-saving last year. With micro-saving, I calculated that I can save up to S$50K every year. With the $50K in fixed deposit of 3% interest, I can earn S$1,500/- every year for many years, plus compounded interest effect over the year, the S$50K can become S$100K in about 20 years if I am not wrong.

So start micro-saving, every year S$50K, and you will see the amazing results.