Our intimacy is dead

We have been married for four years, have two children and are currently paying a mortgage on top of so many other irksome expenses. We barley have sex and do not even hold each other. We have not kissed in about eight months now.

We make a great team, but when it comes to intimacy, I feel he lacks the spark for me. I have told him this many times but he does not take me seriously and is not keen on making things better. I am beginning to feel unwanted, ugly and worthless. I am too lonely and I think we are hanging on to the marriage just for the sake of the children. I think about other men and I know that he masturbates. It angers me that he would rather satisfy himself than be with me. Please advice on what I should do? {Karen}