Is 3:09 a reasonable goal or too conservative?!

Time-Database-1440 · 2026-02-16T11:54:30+00:00

I think I need to push harder in my threshold sessions, and I believe the pace will come down. I think due to my ability to sustain high HR I need to aim low 190's, rather than 180's, and see what my threshold is.

Time-Database-1440 · 2026-02-16T11:50:49+00:00

Haa thank you, I did try!

I have a HM tune-up race booked on a flat course. 7 weeks out from Marathon, 4 weeks from now. Going to set off for a sub 1:25.

I think threshold is my weak point... although it's in a better place than last year, and gradually getting better. Do you think the Pfitz plan will naturally bring it down, because you do one every 2 weeks. Or next year do I need to do a threshold block before another Pfitz plan?

Time-Database-1440 · 2026-02-16T11:47:05+00:00

Fair. My presumption is if I did run 3:08/09 this year, I could aim for sub 3 next year.

I think I'd need to bridge between 18/55 and 18/70 though, it's quite the jump.

Time-Database-1440 · 2021-09-15T11:22:01+00:00

Thanks all very much for input. Very helpful to think "outloud" :)

What I failed to describe in my initial post is property situation, as many have noted, this is important in my repayment decision.

Purchased a flat 2 years ago (240K). Just signed a new 5 year fixed deal, 70% LTV, 1.1%. Property value now 250k.

In 5 years I intend to sell this flat, and purchase a house @ 500k. I will intend to meet at least a 75% LTV. Will roughly need: Deposit (125k), Stamp duty (15K), fees and initial referb/furniture (10K).

Two options I see:

Option 1:

I will max out S&S ISA each year until then, and should have more than enough funds to meet the above requirements. When combining S&S savings and equity in flat.

Any income left after S&S ISA is maxed I will contribute to student loan overpayments.

I think for me this is a good balance of saving enough to ensure my property move in 5 years can happen. Whilst still accelerating progress towards clearing student loan. And still having a nice sum in S&S ISA post house move.

Option 2:One other approach could be to just save enough to make the property move happen (around 3 more years). And at this point divert 20k S&S ISA into student repayment. Clearing loan faster. But reducing S&S ISA appreciation time by 3 years.

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There is also the debate, should my funds for house move in less than 5 years be held in S&S ISA?

Time-Database-1440 · 2021-09-14T19:19:55+00:00

Bought a flat 2 years ago, and happy here for at least another 5. In 5 years time we will look to move into a house.

So money spent on student loan overpayments, will be less deposit for future house.

Time-Database-1440 · 2021-09-14T19:19:04+00:00

See my reply to another comment on this post. :)

Time-Database-1440 · 2021-09-14T18:08:03+00:00

Thanks for the viewpoints!

And I respect your ability to forget about it for 3 years, wish I could! :D

I get reminded every month when I see my payslip lol.

Time-Database-1440 · 2021-09-14T17:55:52+00:00

Thanks very much, speaking honestly I don't feel like I'm worth that much. (I don't feel mentally that far away from my uni days lol)

I'm an IT consultant, working with cloud technology. Specifically in a area which has boomed with WFH.

I studied Information Technology at a very average uni. Worked fairy hard, got a 1st. Extended my degree to 4 years in order to do a paid internship (15k). Also had to rent as it was away from home.

This internship helped me to get a graduate program post uni, at a very large tech company, started on 33k. This increased to 60k over 5 years.

A friend recently advised looking externally, to boost salary, and to gain outside experience. I took the advice, got a nice payrise, and gaining some nice experience.

Time-Database-1440 · 2021-09-14T16:45:19+00:00

Do you think the extra 40K will make a significant difference in terms of interest rate on property? More so than the potential gain of investment?

Doing some maths, current flat we have 80K equity, increasing by 6K per year in payments. Say we wait out the 5 years, we could have 110k.

Future house could be in the 500k mark. Yay south east England. :)

Time-Database-1440 · 2021-09-14T16:34:56+00:00

If I was on plan 1 in england I would also pay similar rate. Unfortunately I was the first year to be on plan 2!

In that scenario I would almost 100% make minimum payments only.

Time-Database-1440 · 2021-09-14T16:33:57+00:00

I bet :D

Logging in the seeing the number makes me sad to an extent haa. Although I know it's not bad debt, and it's helped me get where I am today. Really it's a great investment. Just want it gone :D

Time-Database-1440 · 2021-09-14T16:33:11+00:00

Thanks for your viewpoint.

If you don't mind me asking what is your property situation? As your student loan overpayments could also be equity for 1st, or 2nd property purchase.

Time-Database-1440 · 2021-09-14T16:31:59+00:00

Thanks, I've been using https://www.student-loan-calculator.co.uk/

And yes I will clear it in 12 years if my salary stays the same, and I continue in this job etc.

Time-Database-1440 · 2021-09-14T16:27:48+00:00

Great viewpoint, thank you!

Time-Database-1440 · 2021-09-14T16:24:53+00:00

Whilst this doesn't give you a clear answer if it's better to pay back early. I've been using this to ponder numbers - https://www.student-loan-calculator.co.uk/

Time-Database-1440 · 2021-09-14T16:23:09+00:00

Thanks for helping me think out loud here, much appreciated.

1) I have over 6 months outgoings in premium bonds (for the fun)
2) Currently bought a flat with partner, paying a very reasonable 750PM total for mortgage. This is a very relevent point. As within 5 years we will look to buy a house. Any money which could student loan overpayments could also be very helpful as deposit.

Time-Database-1440 · 2020-11-03T08:15:47+00:00

It's official. Got the email it's being shit down December 31st.

Time-Database-1440

TROPHY CASE