I think I have an idea but what does it really mean to submit to your husband? Does it mean you just sit back and let him run the show and not have any so say what so ever? I'm asking because my fiance' asked me if I thought I have a problem with submitting and I said no but he clearly disagrees. Maybe I'm just not truly understanding what it is. So how do you define submission?
I'm married and I'm having to learn this too.
Submitting is for both parties, not just the woman to the man. It doesn't mean being a doormat, it means trusting that your partner has your best interest in mind and being able to submit(because the husband should have the last word on a matter) to what he says.
If you don't trust one another 100000% then submission will be hard. Trust comes before submission and trust is a choice.
Example:
you: husband, i think I want to buy a new car
husband: no, we need to save for X
you: but my car is old and i want something new
husband: no, we need to save for X
you submitting: ok. maybe at some other time we can get me a new car
you not submitting: whatever, i work, its my money and I'm getting a new car.
Let him be a man and know that God has your best interest, so if your husband screws up, God can still hook you up right, but if you are out of line, then you may have to fix the mess yourself.