Your wedding vows are the most important part of your ceremony. Most people put little thought into the vows, instead devoting hours to the flowers, decorations, clothing and food. After the wedding bills have been paid off, the memories of the little disasters (hopefully) fade, and the delightful moments blend together into a warm fuzzy feeling as the years pass by. What remains relevant to daily life is the vows you made to each other.
If you went with the traditional vows of your belief system, you might have them embroidered on a wall tapestry or print them out on nice paper and put them up on your wall. If those vows don't cover all that you and your husband would like to express, there are hundreds of helpful sites online which will help you write your own vows. There are also professionals who will help you write them if you wish. The important thing is to capture the essence of both you and your husband's faith, your insecurities (and express them in positive affirming ways), and your expectations. Note that the husband and wife's vows don't need to be identical.
Once you and your husband have a set of vows which rings deep and true for both of you, then I encourage you to arrange a renewal of vows ceremony. As to when is too soon, I agree with others who have written that any time is the right time, providing that your finances are in order, as you wrote that yours are. Just make it meaningful and be sensible about the finances. Debt adds stresses that no marriage needs if it can be avoided. I have officiated for couples at a small private ceremony and again months later at a large public ceremony. This is actually far more common than you might be aware.