What is wrong with me? No libido!?

It's been 2 years now since I've had sex with my bf (very patient and understanding man!) In that time I've had a baby and my mum has died. Also I've never really enjoyed sex that much. I always "tear" even though I get very wet. I don't think it's a lack of testosterone as I have excess body hair! Not lots just one or two under my chin which have appeared since baby. What do i do? I don't want to go to my doc cause he's a man and I'm too embarrassed!