Afraid to start a family.....

Ok peeps, need help and advice.

I'm 25 years old, married for 2. I am never in the mood. I don't know what is wrong with me. I'm on the pill and we use condoms. Like once a month.... if we r intimate. I guess I'm afraid that an accident will happen, and with our busy life (work) How will we raise a kid. I know, I'm marred now and if something we're to happen, it wouldn't be an accident but a blessing, but still. Having a baby scares me to death. Hubby wants kids. But since we never have fun he doesn't want to be intimate at all with me... how can I change my mindset.

Urgh....

Thanks.