yes you've got yourself a problem now..
either you apply for ILR asap and write a cover letter, explaining things , well what can i say, you knew the expiry date on your visa, and i dont think you saying that you didnt have the money is a good enough excuse, if he cant afford a visa for you, how can he support you ?
but a more acceptable reason would have been something like, if you had thought that your visa expired at the end this month, and in a cover letter you explained it was a genuine mistake you might have had a chance. but they could well refuse your visa and you dont get a refund.
or leave the country and apply for another spouse visa, cost of an air ticket and the cost of a settlement visa is more than the cost of ILR.
i can't tell you what to do, but seek free legal advice from your local law centre..