if you've been in the UK only 1yr your going to have to apply for further leave to remain FLR(M)
http://www.ukba.homeoffice.gov.uk/si...forms/flr/flrm
you might be granted flr for 2yrs or until you've been in the UK 2yrs (another yr ??)
you can apply for this any time up til a few days b4 your visa expires, but i would do it asap.
have you passed the 'life in uk' test ?
your financial situation has changed, is your husband working ?