I suspect it doesn ' t come with the optional skirt piece . <| sep |> Hi , I ' m afraid I don ' t have a magical solution to solve your current problems but I ' d like to remind you that some expenses , like insurance , will go down with age and hopefully your salary will go up ! . Loans will get paid off and you will suddenly have a lot more at the end of the month to savedo what you want with . You ' re in very good shape for your age and it should only get easier . Your rent does seem quite high for the North though . I pay 450 pm and that includes all bills and council tax that ' s for a room in a nice country town in North Yorkshire . Any scope to reduce that ? <| sep |> I also deadlift in boat shoes . For some weird reason when I wear any other shoe of mine to pull I have a shit workout . I dunno why but I pull more in boat shoes .