I updated my phone using my husbands itunes acct. and now i've lost all of my contacts and pics and his are on my phone
If you have were using your account before syncing with your husbands account, you probably would have your contacts backed up to the iCloud - under your account.

If that is the case


Go to settings and 
Turn off syncing contacts to the cloud. 
Save (nonexistent) contacts on the phone. 
Back out of settings
Go back in and turn syncing contacts to the Cloud back on... 


Here's a test to perform - using a computer's browser, log into icloud.com (using your Apple ID) and go to the Contacts page.  If they are gone, then they are gone.