Hi everyone.. I hope to seek help and advise again for the nth time..

I arrived in Uk 19 Sept 2011 in a spouse visa
Visa valid from : 10 Sept 2011
Visa valid until : 10 Dec 2013

Q1: tomorrow (Sept 19) will be my 2nd year exactly of me being in the uk, can I already apply for ILR anyday from now? or do I have to wait 'till 28 days before my visa expires..?

Q2: Although I am aware of the new rules which will take effect on 28 Oct 2013, my question is, given I can already apply for ILR before this date and my LITUK is done too, do I need to take the B1 english requirement.. as well??? although I know I need it for my naturalisation, I would like to leave it 'till next year. My reason is that I would like to give myself more time for the IELTS exam (afraid of failing) and to try to reduce my application expenses as much as I can as my husband is out of job for quite sometime now.

Anyone applying for ILR this end of the year as well?
Thank you in advance to all of you.