How do I adjust the contrast of the images that my digital SLR takes?

I have a Fujifilm Finepix S9000. It’s an older digital SLR and it has served me well for several years.

Recently, however, I have noticed that the pictures I take are extremely washed out and low-contrast, even in relatively dim lighting. This picture for example, was taken on a rather dim day in January. I had even set my ISO to 80 to compensate for what my camera seemed to be perceiving as blindingly bright light and the image still looks watched out.

I know my camera is capable of taking vibrant images under the right circumstances, but I’ve been getting so many of these bland, colorless photos lately, and I’m starting to get pissed.

What settings could I adjust to get my camera to take more vibrant pictures? Most of these photos are so washed out that I can’t even make them look good in photoshop.