Could I have an Infection?

I really don't mean to be "gross" or go against Yahoo's guidelines about the content of the questions, and I will try to explain this as clearly as possible without making it too incredibly inappropriate: I have been experiencing pretty extreme vaginal itching - all external - and have been seeing quite a lot of brown discharge. I am ually active, but neither of us has ever been with anyone except for each other (I'm sure of this.) Also, I JUST finished my cycle, and I know that often times you can find brown vaginal discharge after your cycle because it's the organ's way of "cleaning out" any old blood. What concerns me is that there are very dark brown flake-like bits, which might just be more old blood, and little white curd-like bits - which concerns me because of yeast infection symptoms, all mixed in with the brownish discharge. Also, a few weeks ago I began to notice symptoms of a very minor UTI. One that seemed like it would be fairly harmless and painless other than some slight discomfort and that would go away on its own as long as I kept clean. But now I feel, if this makes sense, sick down there, and it's vaginal, not urinary. Like when you have a cold and your nose and throat just feel plain sick. They feel like they're constantly moist with gross liquid that isn't there when you're healthy. That's what it feels like all the time down there along with the itching and visible redness in the places that itch and the very unusual discharge. Oh, one more bit of information that may be important -- Every day I take a daily multivitamin and an herb called saw palmetto, and I'm also on birth control pills. Please no harsh responses, I realize there are some things you could comment on about me that involve my stupidity level, but I really just need you to only answer if you have an actual helpful answer. Thank you so much for any help that you can offer -- I also realize that going to a doctor would be the number one option, but I can't do that any time soon. Thanks again in advance.