Don't share the same iCloud account. Create a new ID and use this to create your own iCloud account. Also use it for FaceTime and iMessge. You can continue to use the same ID for the iTunes store.
To migrate your phone to a separate account, if you have any photos in photo stream that are not in your camera roll or backed up somewhere else save these to your camera roll by opening the photo stream album in the thumbnail view, tapping Edit, then tap all the photos you want to save, tap Share and tap Save to Camera Roll.
Once this is done, go to Settings>iCloud, scroll to the bottom and tap Delete Account. (This will only delete the account from this phone, not from iCloud. The phone that will be keeping the account will not be effected by this.) When prompted about what to do with the iCloud data, be sure to select Keep On My iPhone. Next, set up a new iCloud account using a different Apple ID (if you don't have one, tap Get a Free Apple ID at the bottom). Then turn iCloud data syncing for contacts, etc. back to On, and when prompted about merging with iCloud, choose Merge. This will upload the data to the new account.
Finally, to un-merge the data you will then have to go to icloud.com on your computer and sign into each iCloud account separately and manually delete the data you don't want (i.e., delte your husband's data from your account, and vice versa).
If you're sharing the same ID for iMessage and FaceTime, go to Settings>Messages>Send & Receive, tap the ID, sign out, then sign back in with a different ID (such as your iCloud ID). Do the same thing in Settings>FaceTime.