(WHAS11) - What should you do with your money and how should you plan for your financial future?

Financial experts say keep your money in the bank.

Savings and checking accounts are insured by the FDIC up to $100,000, $200,000 if you're married.

You'll also want to stay on top of your credit report, check it often.

The national average is a score of 676, the higher the score, the lower the risk you are considered to creditors.

You can go to www.annualcreditreport.com for a free credit report.

If you are falling behind on your mortgage or credit card bills, call the company and try negotiating.

Experts also say now is not the time to sell your stocks or mutual funds. History shows bull markets follow bear markets.

Finally, do your best to pay your bills on time.

Pay what you can't live without first like mortgage, rent and utilities, and then prioritize from there.