Ah I have been looking for you and I think I found it.
If you turn on the xbox and it is in your husbands profile, press the big green button on the controller to bring up the menu.
Then press the blue x button to log out.
Then choose "yes, sign out"
Then "create profile" and you can do yours.
But.. I think you need to pay again for xbox live if you want the gold one
It is one per profile I think. My sister has gold and I only have silver.
Maybe someone else can help you out more. Good luck!