as andy said,
your better applying for ILR, but you must pass the 'life in the uk' test, as you need to send your cert with your app,so go and buy the book, do some free online tests and book it, keep taking it til you pass.
the earliest you can apply is err 2nd of sept 2008 and the latest i would say 13th sept to be safe. but just after the 2nd would be best, gives you time to make sure they get your app and its not lost, so you don't become a overstayer
you should download the app and guidence notes from here, so you know what you need to collect and do b4 you apply (like collect 20 bits of evidence that you and your husband live and are still togther)
http://www.bia.homeoffice.gov.uk/ukr...ionformset(m)/
good luck