That is one wikkid dragon!
I'm real impressed by the way you keep delivering more pictures fresh to the forum. Keep at it at this pace, and you'll see how quickly any problems you are having with your artwork fall away.
I can already see in the six months that this topic's been around you have seen definite development. I think the best thing you can do right now is sketch from life. You have a husband who's supportive of your drawing habit... have him pose for you! If you have trouble drawing hands, draw his hands. If you wanna keep it fantasy, have him clutching a dagger or a scroll or something. Draw his portrait with horns. ^_^
You've showed in your frog picture that you have a good eye for detail. If you like drawing dragons, you should try drawing real life creatures that you can borrow features from, such as 'gators (common in Florida, but I wouldn't recommend drawing from life), bats, snakes, and cats (the best dragons have a little cat in them).