Get a hair cut, get a mani/pedi, buy something sexy. When I feel sexy, my sex drive goes way up!
If you are on birth control, that can lower your libido but judging by your post & no insurance, doesn't sound like you are.
Make sure you are getting enough rest. You have a two year old, they can wear you out! For me, tired=NO SEX!!
Is your husband propositioning YOU? When my husband is randy and wanting me, that turns ME on, especially when he is spontaneous about it. If your husband is slow to initiate things, that isn't going to help your situation.
Try aromatherapy in the bedroom as well. You can research online which smells work for what. I use lavender for relaxation and it works well. Keeping a clean, tidy bedroom with fresh sheets that feel good against your skin, candles, fluffy pillows, and a luxurious bed comforter can all lead to that sensual feeling in the bedroom, which means fun for you and hubby!