Unfortunately kats, securing a UK Spouse Visa is never "automatic".
Regardless of how long you've been in a relationship you and your husband will be required to comply fully with all UKBA requirements.
In principle, there is a requirement for employment within UK and also salary of £18600 per year for a couple along with other evidence that you are both living together in UK
And yes, it will require that you renew your visa after 30 months for further leave to remain until you may apply for Indefinite leave to remain after another 30 months.
Thereafter you may be eligible for British Citizenship application.
Of course many changes of immigration law can happen during the time before you decide to settle here in UK so it's not possible to predict what regulations will need to be complied with.
BTW, savings are of no interest to UKBA unles they are above £16,000.
Even then it's only savings above the £16,000 that may be used in the event of any shortfall in earnings.
Reviewing the threads and postings here togther with the website of UKBA will provide you with a basic understanding of the current immigration requirements for Spouse