i is here and already replied AM! lol

if you're going to be close to the cut off (75k combined) in the six months immediately following the baby's birth, you're best to hold off until either your income is more certain and you know it will be under, or until after the 6 months where you can confirm (via payslips etc) what your income has been.

you have up until your baby's first birthday to claim (previously it was only 26 weeks, but due to the income limits now being in play, they have to give you the additional time in case you need to get taxes done to confirm your income was less (self employed people etc)
HTH's