Hi M.,
I'm not LDS, but I think the issues you mentioned are quite universal. ALL married couples have to work on their marriage. If you don't, things go to pot. Sounds to me like it's not necessarily about the sex anyway. Sounds like maybe its more about intimacy, compatibility, trust and attraction. Of course all of these things manifest themselves in the bedroom. Sounds like you guys might have a lot deeper issues. Money is huge. Its the #1 reason why people get divorced. I don't know why financial compatibility isn't stressed more in pre-marital counseling. Here's my advice:
1. Start talking. Especially about money. Put down, in writing, a budget that works for the both of you. Talk about your financial goals. What are they? Do you want to pay off debt? Save for college for your kids? Plan for retirement? Save for vacations? Christmas? Talk about it. Make a plan. It doesn't sounds sexy, but believe me, when you're on the same page financially, it takes a huge amount of stress off your relationship. One thing that works really well for us is an allowance system. I think everyone needs a little disposible income to play with. If all you can afford is $5 each a week, fine. But you should have some money that is your own that you can spend on whatever you want (lunch, make-up,golf - whatever) without feeling guilty. There are lots of different systems out there. Find one that works for the two of you and stick to it. You might have to try a couple different ones before you find what works, but trust me, it is so worth it.
2. get back to basics. I know it sounds silly, but start dating again. I think the best thing you can do for your relationship is spend time ALONE together - and not in the bedroom. Go out to dinner, take a walk in the evening, go to a museum - whatever you guys liked to do before you had kids. My husband and I have a once a month date (used to be once a week before we had our baby) where we find a sitter and go out somewhere. I look forward to these dates so much. For one thing, I get to eat at a normal human pace instead of gobbling down my food and trying to spoon mac and cheese into someone else's mouth. For another, I get to talk to my husband without thinking about what I'm going to make for breakfast, what chores I need to do, etc. Its just a time to focus on us! If you can't get a sitter, then choose a night (or maybe in your case, day) that works for you guys when the kids are asleep or napping and have dinner or play a game - something fun that's just the two of you. Sounds like with your work schedules it can be really hard for the two of you to find time together, and that will really eat away at a relationship. So make it a priority, find what time you can and make it special.
But the most important thing you can do, is talk. Talk to your husband about the way you are feeling. Make it as honest as you can. Don't blame, but just share. The more you keep things bottled up, the easier it is to distance yourself. If you keep talking with your spouse, its easier to remember that they're a human being, with feelings and emotions too and that once upon a time you two fell in love and there had to be many great things about that person that attracted you in the first place.
And one last thing. I think women just work differently than men when it comes to sex. There is a very emotional side of things for women - when you're not happy with other aspects of the relationship (like money, or time), then it affects our attraction to our mate. So getting the other things in your relationship in order, so you're getting along and happy, I think you'll find the sexual attraction comes back and you'll feel more willing (so its not just a chore to check off your list). You might also want to talk with your husband about what makes you feel more in the mood and let him have an opportunity to help romance you a little better. Just be careful not to criticize. That's not fun for anyone, but maybe phrase things like "I really like it when we kiss longer." or whatever it is you want to say.
Anyway, I'm glad you made this post. It made me thing about my relationship, sex drive, etc. and I'm sure there are tons of women out there that feel the same way. Good luck with everything!
J.