When to start maternity leave?

Emma

I'm a first time mum so I've never done this before.

I have to give notice to my employer soon as to when I want to start my maternity leave. I'm torn between not wanting to be huge and uncomfortable at work, but also wanting to maximise time with the baby.

I'm thinking when I hit 38 weeks is a good compromise?

What are everyone else's suggestions and thoughts?

*edit*

I am fortunate to be able to take up to a whole year off if we can afford it.

I have to give my employer a date soon.

I am asking for advice - if you had to decide this far in advance and can take a long time off, when should I chose?