I have saved overtime hours to be paid during qualifying period. Because the p/t role I do is classed as high risk (slippery surface etc) I needed to do this as they restrict overtime for my own safety.
If I hadn't done this, I would have missed the threshold by £6 pw average during qualifying period, and not have received a mat payment despite all the years service I have put in.
So in my opinion, yes it is cheeky, but depends on how much you care... I can get over my cheekiness as know they would stiff me given half the chance, but my main employer, I am very honest with, as there is the mutual respect there.
Your call, as you are going to (need to) do what?s best for you and your family - if that means doing it, then fine, if it means not doing it to avoid feeling "guilty" then this is fine also.
Whatever the consensus here, everyone is entitled to an opinion, and remember your the one who has to cope with your decision at the end of the day. Just balance the gain over the cost of childcare to ensure it is actually worth it
Hope this helps!