Sex drive & spicing things up - HELP!

I’m 21 and married. My husband and I don’t have sex too often because he is a shift worker, so he’s constantly tired. I’m also a full time student and stay really busy so a lot of the time our schedules don’t line up to have sex a lot - but that’s completely fine with me. I love him and I don’t mind not being able to have sex if he’s tired/busy. However, sometimes it’s hard to get things going when we don’t have sex a lot. I also have a low libido which doesn’t help, and he always finishes without doing anything for me. Penetration doesn’t do much for me. I really love foreplay but for him it always involves doing stuff for him and when he tries to do things for me it really doesn’t do anything for me. I don’t blame him for that bc I know he doesn’t know what to try and it’s my fault for having a low sex drive. I used to not be this way idk what happened. I’m wondering if it’s form hormones but I’m not sure (I have been on birth control for several years). Anyway, I’m wondering if anyone has some suggestions for ways I can spice things up? We’ve only ever been with each other so neither of us are super experienced with trying different things. I always feel weird about getting sex toys. My husband has never said anything against it or even mentioned it.. but idk why I feel weird there’s this guilty feeling I’m having. I don’t ever masturbate or anything either. I sometimes wonder if I got a vibrator if it could help us.. or if masturbation could help increase my libido. One thing we tried recently was body oil which was nice. Please help! I need any suggestions you have.