I wouldn't give up hope just yet. There is free couples counseling everywhere.
IMO though, you should look at things from a biological or primitive standpoint. I know I may seem crude, but a lot of this is normal (or was 5000 years ago). Let's have a gander, shall we?
Males and females, sexually, are attracted to each other in a lustful way for about a year (maybe a little under). This is intended to be enough time to get her pregnant. During this period, the guy is going to want to want to have sex quite a bit and you are going to want it, too.
After about a year, things are going to cool down. You will still want to do it, but he will want it less. This is the period when he will feel affection strongly for you. This is intended to be the time that he looks after you and the newborn. You also will mirror the affection, most likely.
After 2-3 years, things generally begin to decline in the bedroom. This is because, biologically and primitively, it is time for him to move on and get someone else pregnant (or to get you pregnant again.) Now, that isn't the way we work anymore, but our latent 5000 year old urges don't recognize that yet.
The good news is that these feelings are easy to overcome if you realize what they are. As a male, I know what is happening internally. There is a tug, yes. For some guys it is less and some more. For me, it is a good sized pull, but I can see that I love my wife an incredible amount.
Primitive urges are just natures way of saying we evolved too fast. Anyways, I suggest you try some free couples counseling that is available all over the internet. You could get a manual or even talk to a Christian organization if you want to get that route. Some resources are free couples counseling
, christian charities, amazon, and... google. Heh!
Either way, not being able to afford it isn't a good reason. You can find many things to try yourself for free. You are NOT the only woman in this situation, and you can take solace that you are in no way pioneering it. You aren't alone. Every marriage has its bumps and if he is willing to work on it a bit you will be fine.
Good luck, though! I wish you the best in life!